Love N26
I love the noon in 26 prepaid card when I first got it I really didn’t understand it very much and my card was locked and I couldn’t figure how to get it unlocked so I kept calling customer service and they kept telling me I can do it from my phone and I couldn’t figure out how to do it for like almost a month and a one day I was sitting in my car thinking there’s got to be a way maybe I just overlooked something so I went back and looked at it and it literally said unlock card one click I was unable to get my money off my account or use the card until then but since then it’s been great has a lot of security features that I like like locking the cards no one can use it. Lol
Cons: Only thing I haven’t figured out yet is how to transfer money out of the in 26 account to another card in another account or transferring money out of this account to a prepaid card so if anyone has any suggestions on this please let me know
Cons: Only thing I haven’t figured out yet is how to transfer money out of the in 26 account to another card in another account or transferring money out of this account to a prepaid card so if anyone has any suggestions on this please let me know
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Response from developer
Hi there, thank you very much for taking the time to provide your feedback. It is greatly appreciated. To transfer funds, you can do so via external bank transfer or third party payment processors including Cash App, PayPal, and Venmo. To learn more, check out our page here at https://support.n26.com/en-us/getting-started/payments-and-transfers/how-to-add-money-to-my-n26-account If you have any questions, please contact our customer service at 1-888-N26-0-N26 (1-888-626-0626) Best, Customer Support Team
Great, straightforward banking!
Exceptional app. Love the banking experience, the 2 free ATMs a month which I found to be just perfect for me, I don’t use ATMs that much but when I do, I love that N26 will take care of those fees for me. The app is made to perfection and it also helps you put some money aside without the conventional Savings account. With spaces you can put money aside for whatever reason and I love that after you send money into a “space” that money will be taken out of you “current balance” section and it will only show up at the respective “space” you sent it to, making it less likely for you to spend that money. I also love that my direct deposit comes up to two days earlier, love that. Weds are the new Fridays for me!
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Saßen Dünndarm
Good
UPDATE: SOLVED / My favorite feature was removed recently
Apparently, the developer team saw this review because they reintroduced the dynamic balance feature back in the latest update!!! Thank you for listening to user feedback and enhancing your service quality even further!
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I absolutely LOVE N26. It’s been a game changer in all areas of my life. It’s simple, versatile and has everything I need to manage my finances from the get go.
HOWEVER, with the recent home screen overhaul, one of my favorite features was removed! Beforehand, when you would scroll down the transactions list, the account balance would AUTOMATICALLY change to show how much you had after the last shown transaction. After the update, that no longer happens and I have to manually calculate my balance for any given point. It was one of my favorite features because it allowed me to gradually see how my initial balance was spent over time, giving me more info to act while planning ahead.
I urge the N26 developers to reimplement this in any given way. I’m sure many other users miss it too.
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I absolutely LOVE N26. It’s been a game changer in all areas of my life. It’s simple, versatile and has everything I need to manage my finances from the get go.
HOWEVER, with the recent home screen overhaul, one of my favorite features was removed! Beforehand, when you would scroll down the transactions list, the account balance would AUTOMATICALLY change to show how much you had after the last shown transaction. After the update, that no longer happens and I have to manually calculate my balance for any given point. It was one of my favorite features because it allowed me to gradually see how my initial balance was spent over time, giving me more info to act while planning ahead.
I urge the N26 developers to reimplement this in any given way. I’m sure many other users miss it too.
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Huge scam
In no way it tells you that it is a one year commitment during the sign up process for a card when selecting a metal. A fine print in the contract is misleading. I wanted to change my account or simply downgrade and I’m now simply owe 200 euros.
Response from developer
Hi, we're sorry that you did not feel this was clear enough when signing up for N26 Metal. Before you open the metal account, you must actively consent to the Terms & Conditions of the contract, which state that it is an annual membership. This is also displayed directly within the mobile app. It is not possible to open the account without agreeing to these conditions. You can learn more about cancelling your contract here: https://support.n26.com/en-eu/fixing-an-issue/membership-plans/how-to-cancel-my-n26-you-or-n26-metal-membership
Impossible to deal with customer support
N26 registration allows you to enter a number in which they will not send the activation code to (ex. Got a Spanish account, they will not send it to a Canadian number). To change your number, you have to go to the online chat and go through 5 verification items and then somehow they entered my information incorrectly. I had already gone through the video verification and I’ve emailed and gone through 10 different chats saying the same things every time and they all end the chat before we can figure it out. The chat also says you can save a transcript but then an error pops up of you try. No one can figure this out for me and it is not my error, so I’m cancelling my account. This could all have been fixed my advising people that when they sign up, their phone number needs to be in a specific country code.
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Response from developer
Hi, we're sorry to learn you experienced these issues as a result of your phone number. We understand the inconvenience that this can cause, and are actively working on a resolution for this. In the meantime we would need to provide the verification code via phone, as we need to be absolutely sure that we are speaking with the account holder before amending or discussing any sensitive information. Please feel free to reach out to our Twitter Support channel @N26_Support where we would be more than happy to resolve any issues in relation to your account.
Do NOT use N26 as your bank in the US!
When I first heard news that N26 was going to be launching as an online bank in the US I was ecstatic. I was just about to head to college and needed a easily manageable bank account to manage my money.
I signed up to be among the first to have access to creating an N26 account and when the time came I registered to open an account. Shortly after while doing all this on the app I was prompted to contact customer support because there was an issue in creating my account. After waiting on the line for 15 minutes I spoke with a very professional employee who said would try to see what’s wrong with creating the account. After being put on hold again for a short while I was told that I cannot create an account with N26 and that the N26 customer support system cannot disclose further information on this decision. I was left speechless as the conversation came to an awkward and abrupt end.
I’m heavily disappointed in the service that was given. I can understand there being an issue in creating the account but withholding the reasons as to why that is is beyond me. I really wanted to love N26 but not a single positive thing has resulted from it for me.
I signed up to be among the first to have access to creating an N26 account and when the time came I registered to open an account. Shortly after while doing all this on the app I was prompted to contact customer support because there was an issue in creating my account. After waiting on the line for 15 minutes I spoke with a very professional employee who said would try to see what’s wrong with creating the account. After being put on hold again for a short while I was told that I cannot create an account with N26 and that the N26 customer support system cannot disclose further information on this decision. I was left speechless as the conversation came to an awkward and abrupt end.
I’m heavily disappointed in the service that was given. I can understand there being an issue in creating the account but withholding the reasons as to why that is is beyond me. I really wanted to love N26 but not a single positive thing has resulted from it for me.
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Response from developer
Hi there, we're sorry to hear about your experience. Please note customer support cannot provide any feedback regarding decisions on account opening. We will make sure to pass your feedback on internally. Best, Customer Support Team
Good app
The app itself is good and simple to use. I don’t use this as my main account but just to put a small amount of money aside in a separate account. One thing that could really improve it is the ability to save bank details that you are transferring to like most other banking apps have.
I certainly wouldn’t use this as my sole bank however, and reading the other reviews I don’t think I’ll be trusting them with large sums of money at this point. I often have trouble with online payments as it comes up as my address not matching - even though it’s correct in the app (and must be correct for me to have received my card). This is a nuisance and brings me back to my earlier suggestion as I always then have to transfer money back to my other account to make an online purchase
I certainly wouldn’t use this as my sole bank however, and reading the other reviews I don’t think I’ll be trusting them with large sums of money at this point. I often have trouble with online payments as it comes up as my address not matching - even though it’s correct in the app (and must be correct for me to have received my card). This is a nuisance and brings me back to my earlier suggestion as I always then have to transfer money back to my other account to make an online purchase
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Disappointed with the N26 business account
I got a business account and the first thing I did is transfer some money to myself from my other account and then to a couple clients in USA and Indonesia through the N26 business account. I was told to use transfer wire. It said I can’t transfer any money internationally or receive any money from a non SEPA country using N26 business. What’s the point having a business account if I can’t receive or send money anywhere in the world. I’m being limited by my bank where I can and cannot do business. Imagine me on a business travel in a non SEPA country being able to cash out money from any atm but can’t receive money from there. What’s the point? I was later told to close my business account and apply for a new personal account. Which is again annoying. I expected better from a bank that promises to break any banking barriers.
It means they want me to use another bank as my primary bank account to receive or transfer money to my non SEPA clients or during my travel. There are some advantages of holding a N26 business account but this is a real deal breaker not being able to transfer or receive money to anyone I want. So my suggestion to anyone who wants to get a business account is get a personal account or just go to another bank.
It means they want me to use another bank as my primary bank account to receive or transfer money to my non SEPA clients or during my travel. There are some advantages of holding a N26 business account but this is a real deal breaker not being able to transfer or receive money to anyone I want. So my suggestion to anyone who wants to get a business account is get a personal account or just go to another bank.
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Stuck in perpetual loops. Might as well store my money in a dumpster.
N26 is a terrible mobile bank. I’ve been stuck in loop after loop and have not been able to access my money since June. Because of this I have had to borrow money even though I have enough funds in my account. The customer service reps are terrible and offer the same suggestions over and over. I wasn’t even given a case number until late September. I can’t get in touch with any upper management and they have offered 0 to compensate for the time I’ve wasted trying to solve the problem. What’s worse is that since they have implemented 2FA, they are asking me to go to an ATM whenever I want to talk to a customer agent (in order to verify my ID). This means that every time I get on I have to take the time to make a transaction. This means I have to actually PAY MONEY in ATM fees and international transaction fees just to get online with a customer agent who eventually tells me that there is nothing that they can do and that they will work on it. If you want a bank that keeps your money and doesn’t let you access it, I definitely recommend using N26.
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