N26 Reviews 

Excellent choice if you want a no frills Italian IBAN.

Transaction - quick,1m.
All withdraw are quick, commodity at high level. I am client more than 5 years I recommend it

No other bank has a custumer service like N26 where I can speak with a human to resolve instantly any problem. BRAVO N26 !
Only because of this I closed my previous banks and kept only N26.

Their banking service exceed my expectation.

“If “If You Want a Bank That Will Ignore You for Months and Abandon You When You Need Help — Choose N26.”

I honestly cannot believe how badly N26 treated me.

I opened a dispute regarding an Apple App Store purchase because the app was misleading, full of fake promises, advertisements, and did not work as described at all. I requested a refund from Apple on the same day, but it was rejected.

Since customers in the EU are supposed to have protection in situations like this, I contacted N26 for help.

They asked me for screenshots, explanations, proof, and documents. I sent everything immediately.

Then the nightmare started.

For months and months:
- endless waiting times,
- no actual updates,
- copy-paste template replies every single time,
- “your case has been escalated” again and again,
- absolutely no accountability,
- absolutely no resolution.

I waited patiently and always remained respectful.

Today, after all this time, I contacted support again asking for a real answer and direct communication with the escalation team responsible for my case.

Instead of helping me, they simply closed the chat and disconnected me.

That was the final proof that N26 does not care once you actually need support.

A bank is tested when problems happen — not when everything works normally. And in my experience, N26 completely failed that test.

If you expect real customer protection, real communication, and real support during disputes, think twice before trusting this bank.

YOUR MONEY AND THE STUFF THAT YOU ARE BUYING ARE NOT PROTECTED AND YOU WILL NEVER GETE A HELP TRUST AND LOOK ON ALL 12 opened request to take a look on my refund dispute 12 times i have tham contacted it s being 2 years ALMOST 2 years guys they are ignoring me and my request on charge back inventing everytime thannew problem how to kick me off literally worst BANK CLIENT APPROACH EVER

I honestly cannot believe how badly N26 treated me.

I opened a dispute regarding an Apple App Store purchase because the app was misleading, full of fake promises, advertisements, and did not work as described at all. I requested a refund from Apple on the same day, but it was rejected.

Since customers in the EU are supposed to have protection in situations like this, I contacted N26 for help.

They asked me for screenshots, explanations, proof, and documents. I sent everything immediately.

Then the nightmare started.

For months and months:
- endless waiting times,
- no actual updates,
- copy-paste template replies every single time,
- “your case has been escalated” again and again,
- absolutely no accountability,
- absolutely no resolution.

I waited patiently and always remained respectful.

Today, after all this time, I contacted support again asking for a real answer and direct communication with the escalation team responsible for my case.

Instead of helping me, they simply closed the chat and disconnected me.

That was the final proof that N26 does not care once you actually need support.

A bank is tested when problems happen — not when everything works normally. And in my experience, N26 completely failed that test.

If you expect real customer protection, real communication, and real support during disputes, think twice before trusting this bank.

N26 and its App is the modern way of banking -- online, accessible, and a pliable App that can be tuned to one's own needs. Highly recommended!

All good so far! Love the apk ;)

Love this bank, very reliable.

I have not had access to the app for a week now and it is causing havoc with my payments etc. Everything was working fine until it wouldn't let me into the app saying my ID was wrong, although i had not changed anything. I have had innumerable chats with the so-called customer service, being kicked back to a bot every time I am waiting for an agent to reply, This is absolutely infuriating and definitely the worst experience I ever had with any bank. Zero customer service especially since I have an expensive metal account that claims to have phone assistance. That is non-existent. Stay away from this bank!

Bit annoyed that they now introduce trading fees - (0.90 € per trade, irrespective of size) initially (first few years) they offered free trading which was obviously attractive, now they must have realised that this isn't profitable enough for them. Annoying - if you know something is likely not sustainable, don't start it in the first place!
The solution - I am in the process of transferring all my shares out to other brokers. Tip: Trading212 has no fees & interest on cash balances for multiple currencies with good support. There are other brokers that are free for example if buying/selling shares for over €500.
The banking with N26 is ok - nothing spectacular, you probably get better service elsewhere - having had a N26 account for perhaps 10 years I now tend to use other bank accounts.

N26 suddenly locked me out of my account a few months ago citing I need to change my password for security reasons but I never received the email. I sent them all the documents via customer support platform and they didn't respond, even after 2 months and multiple follow ups. I reopened the case via the chat and after multiple attempts I still can't log in because their system is just broken. I am not receiving password change emails, they want me to do certain actions in the app that I can't, etc. I had about $9000 on that account.

The Service needs 5 weeks to solve a small problem.

My experience with N26 has been extremely disappointing. Shortly after opening my account, €2,500 was blocked without any prior warning or clear explanation. The funds are still inaccessible.

I understand that banks must carry out security and compliance checks, but customers should first be contacted and given the opportunity to answer questions or provide information before their money is blocked, especially when there is no obvious sign of fraud.

This situation is particularly serious for people travelling abroad. Imagine being on vacation and suddenly losing access to what may be your only available money. It could leave someone unable to pay for accommodation, food, transport, or a flight home.

Based on my experience, I would not recommend relying on N26 as your only bank while travelling. Revolut or Wise may be more suitable alternatives.

Edit:
You accepted a €2,500 deposit made with a legitimate card and then restricted access to the funds without any prior warning or notification.

I had to contact your helpdesk three times, spending more than 30 minutes on the phone, and even then, nobody was able to provide a clear or complete explanation. Meanwhile, I received no message or update from N26 for more than 48 hours.

I understand that banks must comply with financial regulations. However, other financial institutions such as Wise, Revolut, and bunq generally request additional information or give the customer an opportunity to explain the transaction before restricting access to their money.

Are you seriously suggesting that your regulatory obligations are more important than the impact your actions may have on a customer, even when they could completely disrupt someone’s vacation or leave them without access to their money?

Regulation is the law, but it is also a framework that banks can implement in a fair, proportionate, and customer-friendly manner. Your current approach shows very little consideration or respect for the customer. If this remains your standard way of operating, I believe it will seriously damage customer confidence in N26.

What a nightmare. Been a customer for about 7 years and everything was fine till I bought something online and never received it. They reimbursed the money first and now they took it back again! It was a clear scam that they were too lazy to check first- I had to provide screenshots and point out the scammers tricks to them. However, they still transferred the money back to the thief! They do not protect their customers at all. Beware! In case of any trouble you will never get your money back! They are on the scammer’s side.

solid app, i like it

Similar to other reviews below. To use the bank is convenient. But then the email came to confirm identity for security purposes. However, try as I might (and I spent hours on the customer support chat) the facility to photo-shoot my identity didn't work and so I was unable to pass the security tests and access my account. Now, some 18 months further on I have had to relinquish the account (fortunately with only 5 or 10 euros left in it) as I am no longer able to access it electronically. Very very disappointing and would strongly recommend against opening an account with this service.

Update - 04/07/2026. N26 has requested that I provide more detail on my experience.

I had an account with N26 for approximately 2 / 3 years which I used for everyday transactions (receiving small transfers and withdrawing small amounts). The account worked OK on this basis during this time. Then the account became dormant for a while because I was in England where I used an English account. When I tried to reuse the account when moving back to the continent I was asked to confirm my I.D. by following the checks, which consisted of organising a photo of my I.D. I was told to do this on the app. I was unable to use the app without passing the security checks. I tried to do this but the app would not allow my camera to open and I was unable to photo my I.D. I tried many times and tried to get the matter fixed on the chat but they were unable to resolve the issue. In the end I was unable to pass the security checks (as there was no other way of confirming my identity) so I relinquished the account - fortunately it only had 5 or 10 euros left in it so I didn't lose too much money. I would add that the process was not only ineffective, the service was also unsympathetic.

Be aware that your access to your account and funds may be restricted during the identity verification process.

In my case, I was completely locked out of both the mobile app and the desktop version, meaning I could not access my money or even contact customer support through the app.

The customer service has been the most frustrating part of the experience. It is not centralised, and every reply comes from a different agent who appears to have little or no knowledge of the previous communication. I repeatedly had to explain the same issue, only to receive generic template responses or be redirected to another support channel.

For comparison, when Revolut carries out an identity verification, you still retain access to your funds and can communicate with support through the app while the review is in progress.

Overall, I find my experience with N26 extremely frustrating. A bank should have a clear, efficient, and customer-focused process for assisting existing customers, especially when they are unable to access their own funds. It is even more disappointing when you are paying for a premium subscription and still receive slow, generic support with no effective resolution.

I've been using N26 for many years and am very satisfied with their services: fast and secure transactions.

Personally have tried most online banks and this one is by far the best so far, very happy so far no issues and definitely be recommending this app to friends and family.