N26 Reviews 

Easy friendly and efficient

Perfect, im very happy

I'm trying to get support to a problem and the chat is terrible. When transferred to a person, they always ignore the past conversation, even whey I say multiple times that I've already explained what I needed, please read the past conversation. Agents jump in apolagetically and instead of fulfilling my request they ask a stupid question and then when I return to the chat the problem is still unresolved. Again I talk to a bot, then a person, and I need to explain myself again. Furthermore I cannot copy a previously pasted message. It's a very poor UX-UI for a modern mobile-first product. Also, the "Call us" says priority hotline but despite calling at 5pm and reading that speciallists are available every day from 7 to 23, the line is actually closed.

Do not trust N26 with your money. This has been one of the worst banking experiences I have ever had, and in my view the way they treat customers is unacceptable and a disregard for basic consumer rights. If a routine transfer can freeze your funds for weeks with no explanation, this is not a bank you can rely on for anything that matters.
Here is what happened. I opened an N26 account on 21 October. Less than one day later, after a single transfer, my account was blocked. I was told it would take 72 hours.
It has now been 15 days that N26 is holding my money. In all that time they have not asked me for a single document, not explained what the problem is, and not given me any timeline. The only message I received was a generic email telling me to request a transfer to another account, with no date and no explanation.
If they block an account for more than 2 weeks over one simple transaction, I do not even want to imagine what happens in other cases. This is absolutely unacceptable for a bank.

In comparison with other banks, like Deutsche Bank, Targo bank and Commerze bank, N26 made opening a bank account straight forward. Very similar to how we operate in Canada. I would recommed that N26 offers guranted investment options to its client with comptetitive rates. This will attract and retain clients, in addition, money will stay within the bank and not go elsewere for investments.

It is an app very easy ti use!

Everything was fine until N26 changed their security in August and required further security details. It took 3 phone calls to get them to accept my address was actually correct after the app just refused to accept my address but then a month later they froze my account. I was told that to reactivate it I needed to delete my access and reapply, which h I did, I mean it was their own support who insisted this was the correct "fix" In the process of reapplyingI was told I had to accept biometric which I had previously rejected and been told it was unnecessary by the same support but now I have no access to my account or the app so cannot access my money.Even the account closure procedure sent by the very unhelpful support requires information only available in the app which is no longer accessible.
N26 are currently holding my money and refusing access so I would suggest anyone considering opening an account think long an hard before entrusting your money to a company with such a poor apprao h to customer service

Really smooth, clever, quick, easy and convenient banking!

Flexible structure, good app. Works well for me.

It s a reliable app , easy to set up and easy to make transfers

My account was blocked for some reason. I currently have about 1,500 euros in my account, and the N26 team is ignoring all my inquiries.

They sent me an email asking for a bank statement from another bank showing my first and last name and my IBAN. I sent it to them, but no one responded to my email. When I message them through the app, technical support says that a different team is responsible for this process and they can’t help me.

I do not recommend using this bank. As soon as you run into any problem, it will be a complete disaster. No one wants to respond, and no one can help.

I like that you don’t have banking fees withdrawing anywhere and the ease of use - don’t like the fact that you kind of “need” another account to deposit cash.

Very good experience

The best bank , very nice account and app ....beuatiful card for atm
All good pozitive expiriance.
Thanks

I'm a customer of many banks, but none of them is so frustrating to use as N26. It notoriously tries to invigilate my finances. It constantly asks for recent payslips, contracts, tax declarations and external bank statements. Last time when my salary was sent to N26, it restricted my account and halted the transfer asking for proofs of source of the funds. No other bank has ever demanded my employment contracts or any of the above-mentioned documents. Stay away if you do not want to be unpleasantly surprised and constantly treated like a money launder or scammer.

N26 debited my money from a canceled transaction, gave it back after a long winded appeal where I was required to give all but a blood test, and then debited again anyway after the vendor of the canceled transaction appealed it.
N26 has been consistenly degrading the quality of their service and are attempting to sell you their premium plan where they offer human interaction as a luxury perk.

I've gad this account for a decade but it may just be time to find a real bank.

Very good bank I’m always satisfied thank you

Only bank in Spain that trusted me. The interface is clear and full of features. Really satisfied with its banking app.