# N26 — Love your bank — Bank, save, and invest

> Digital bank for banking, saving, and investing with a debit card and investment features. (iPhone/iPad app by N26 SE.)

- Source: https://appshunter.io/ios/app/n26-love-your-bank/id956857223 (this page in markdown: same URL + `.md`)
- Developer: [N26 SE](https://appshunter.io/developer/897464435)
- Category: Finance, Business
- Price: Free
- Rating: 4.60/5 from 11,798 App Store ratings · 447 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 753 MB
- Languages: American English, French (France), German (Germany), Italian, European Spanish
- Released: 2015-02-04
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/n26-love-your-bank/id956857223/reviews.md

## What is N26?

Welcome to the bank you'll love. Bank, save, and invest in one beautifully simple app that's trusted by millions.

BANK
– Open your online N26 bank account in minutes  — right from your smartphone. Get a physical or virtual Mastercard debit card, add it to Apple Pay, and start using it straight away. 
– Send money in seconds using MoneyBeam and instant transfers.
– Want even more perks and features? Discover our premium accounts and give your banking experience an upgrade. Choose from N26 Smart, N26 Go, and N26 Metal.
– Open your joint account in minutes and manage shared finances alongside your personal account. 
– Self-employed? Handle all your business finances with an N26 business account and get up to 0.5% cashback for every payment you make with your N26 Mastercard. 
– Send money near and far via international money transfers powered by Wise with N26. Just a few taps in your N26 app and your money arrives in 35+ countries with no hidden fees. 
– Split eligible past purchases with N26 Installments, or get approved for an overdraft of up to €10,000 in minutes (available in Germany, Austria, and Spain). With N26 Credit, you can get a loan instantly with no paperwork (available in Germany, Austria, Spain, and France).
– And if you have questions, contact us day and night via the chat in your N26 app — in five languages.

SAVE
- With N26 Instant Savings, grow your money with full flexibility, no matter what membership you have. Earn interest on all your savings with no deposit limits** and access your funds anytime.
- Achieve your goals by organizing your money into N26 Spaces sub-accounts, and automate your savings with N26 Round-ups and Income Sorter.
- Get spending insights to help you stay on track. 
* The interest rate is based on country and membership. Available to eligible N26 customers in 16 countries across Europe, including Germany, Austria, France, Spain, Ireland, and the Netherlands.


INVEST
- Trade thousands of stocks and ETFs — right in your banking app. Or select one of our ready-made funds and let the experts do the work.*
- You can start with €1, and buy and sell anytime.
- Manage your investments without having to download another app. Get a complete overview of your portfolio, transaction fees, gains, and losses.
- Not much time on your hands? Automate your investments with our free, fully-flexible investment plans.

*None of these statements constitute investment advice. Check our website for availability in your country.

TRAVEL THE WORLD WITH N26
Pack your bags — we've got the rest. Get the best exchange rates, free ATM withdrawals abroad, travel insurance, lounge access, travel eSIM connectivity, and 24/7chat support, all in one.

BE SIMPLY SECURE AND FULLY IN CONTROL
- As a fully-licensed German bank built on the latest technology, we’re always working to make sure your money is in safe hands.
- Get control over the security of your account with customizable settings in your N26 app. Lock and unlock your card, change your PIN, set spending limits, and hide your sensitive data from prying eyes — instantly and effortlessly. 
- Turn down the lights and use your N26 app in dark mode if you want to.

Imprint and Cookie Policy: n26.com/app

## Key features

- Online bank account opening
- Instant money transfers
- Savings accounts with interest
- Investment in stocks and ETFs
- Joint accounts
- Business accounts
- International money transfers

## What do users think of N26?

Overall sentiment: negative

**Pros**

- 🚀 Easy and fast account setup
- 💳 Great mobile banking app experience
- 🌍 Convenient for international users
- 💳 No fees for ATM withdrawals
- 👍 User-friendly and intuitive interface
- 🕰 Early paycheck deposit availability

**Cons**

- 🐛 Unreliable customer support
- 🔒 Security and account freezing issues
- 💳 Limited banking features compared to competitors
- 🕰 Slow response times for account verification and transfers
- 🚫 Inability to use the account in certain regions or stores

**Commonly reported bugs**

- Login and verification process issues
- Inconsistent performance and app crashes
- Problems with account freezing and fund access
- Discrepancies between app and actual banking services

**Most requested features**

- Add mobile check deposit feature
- Improve international transfer capabilities
- Provide more customization options for the app
- Implement better 2FA and account security measures
- Enhance customer support with phone and live chat options

## Recent user reviews (10 of 447)

All indexed reviews: https://appshunter.io/ios/app/n26-love-your-bank/id956857223/reviews.md

### 1/5 — I’m never going to enable notifications

*2026-08-16, version 4.57*

I’m never going to enable notifications. Can you please stop asking every single time I open the app?

UPDATE:
No, the app asks every single time I open it. This has been ongoing for at least three years - please look into it or contact me.

### 5/5 — Very versatile

*2026-08-12, version 4.57*

Great number of options. Pretty simple. Less flash and fiddly than N26 and more flexibility. German central bank guarantees your deposits. Latvia is nice but not rich.

### 1/5 — Complete garbage

*2026-08-10, version 4.56*

It is hard to imagine someone making a worse app. Even if you told Codex or an AI agent to invent the worst banking app ever it will likely still be better than this steaming pile of sewage of an app. Let’s say you are about to conduct some banking. The app will just display sorry you need to upgrade at random points, forcing you to download this 300+ MB pile of garbage without recourse. 

Literally over 300 MB for an app that essentially shows you your balance !!! Complete and utter garbage

### 5/5 — Mr B Solomon

*2026-08-07, version 4.50*

Unable to download the new ISO 17.0 app any help would be appreciated B solomon

### 1/5 — Update against any sense of ecology

*2026-08-05, version 4.50*

Are you keeping your old iphone as long as possible for ecologic purposes? This new update of N26 is against your vision, as it will run only on the last iOS available. No back-up plan on line, no notice in advance, you just need to change your phone if you want to access your own account. Hie sad is this?

### 1/5 — I don’t like the new UI

*2026-08-02, version 4.56*

:(

### 1/5 — iOS 18 and iPhone XR can not open app

*2026-07-31, version 4.56*

iOS 18 and iPhone XR can not open app - it closes immediately - please fix ASAP!!!!

### 1/5 — Was great, but revolut are winning

*2026-07-28, version 4.50*

I’ve used n26 for years for my business expenses. Always decent performance. However recently they updated the app which now no longer supports iOS 16.7.x and I was locked out of my account. Great guys. Especially when travelling. It would have been nice to at least have push notification login approvals still operational whilst I scrambled to setup my alternative device. Support is not available unless you login. You can’t do a web login without 2FA via app, you cant contact anyone except the idiot AI chat bit that said I should upgrade my phone. WTF. Wise, Revolut, ANZ, STG,ING,MACquarie all work fine. I guess it’s time to leave as upgrading my phone to be able to access funds seems a bit rich! You will own nothing and be happy, long live capitalism.

### 1/5 — Greenwashingq & impossible to enter your address

*2026-07-27, version 4.55.1*

Update: they insist you update your address but their system doesn't Work for non-urban Norway . also this bank abuses the notifications process to push you advertising for products you don't want, yet you need the notification to login. This is why I've stopped really using this bank anymore.

Old review:
From an email they sent me today: “To be more environmentally-conscious, we’ve revised our card replacement fees”
Well, this has to be the most abhorrent example of greenwashing I have seen in a long time. Jacking up fees for an essential service and then claiming it helps the planet!!

### 1/5 — I can’t log in my account

*2026-07-25, version 4.50*

I can't log in to my account anymore; it says I need iOS 17 to update the app. What's wrong with the developers?

## Frequently asked questions about N26

### What can I do with this banking app?

This app allows you to open an online bank account, manage your finances, send money instantly, save money with interest-bearing accounts, and invest in stocks and ETFs. You can also manage joint and business accounts, and send money internationally.

### How do I open an account?

You can open an online bank account directly from your smartphone in just a few minutes. The process is designed to be quick and straightforward, allowing you to start banking right away.

### Are there different account options?

Yes, there are premium account options like N26 Smart, N26 Go, and N26 Metal that offer additional perks and features beyond the standard banking services. These premium accounts may also offer higher interest rates on savings.

### Can I invest using this app?

Yes, you can trade thousands of stocks and ETFs commission-free directly within the banking app. You can also select ready-made funds or automate your investments with flexible plans, starting with as little as €1.

### Is my money protected?

Your money in N26 bank accounts, including N26 Instant Savings, is protected up to €100,000 by the German Deposit Guarantee Scheme. This provides a layer of security for your deposited funds.

## Version history (last 5 releases)

### 4.58 — 2026-08-25

We’ve fixed some bugs to make your banking experience even smoother. Happy upgrading!

### 4.57 — 2026-08-11

Introducing Wero, the new way to pay friends and family in real time, right inside your N26 app. Send and receive money instantly with zero bank details needed. Update your app today to try it out in Germany and France.

### 4.56 — 2026-07-29

We've been busy making your N26 experience feel more like you. Enjoy a cleaner, more intuitive app that makes everyday banking effortless, along with new features like custom card names. Plus, switch up your virtual card design anytime with 8 new styles to match your vibe, while your details stay exactly the same.

### 4.55.1 — 2026-07-15

We've fixed some bugs to make your banking experience even smoother. Happy upgrading!

### 4.55 — 2026-07-14

This update makes the N26 app smoother and even more reliable, so you can enjoy summer while your finances stay stress‑free.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*