N26 Reviews 

I lived in Germany from 2015 and worked for an international company. In search of a good bank I opened an account with N26 in order to save costs and because I believed they were the more user friendly bank. I couldn't be more wrong. To this day I deeply regret opening the bank account with N26 and I deeply regret recommending the bank to some of my friends. I implore anyone that wants to open an N26 not to so it.

The nightmare started in 2022 when an automatic (robot) check flagged my account as suspicious. I was surprised to receive such a message, especially because I was working as a public servant for the EU. How can my account be suspicious and why do I need to prove that my income was obtained legally. I replied to their automated message but to no avail. My account was closed, application blocked and money locked. They have done this while I was travelling and I couldn't pay for fuel and other expenses. It was horrible experience to be stranded on the road in a foreign country with no working cards.

The transactions that were flagged as suspicious were the ones that were made between me and my wife (we share the same surname and both had N26 accounts) and other banks and other established financial institutions.

They never explained why my account was closed and the article of their terms and conditions that I allegedly violated was written so wide that it can cover anything (hence the following example). For example eating meat during the full moon can be considered a reason for account closure. Furthermore, it also took them over 60 days to return the money. During this process they treated me as a criminal. It also immediately brought up the memory of Kafka's novel The Trial. At this point I felt exactly as Josef K. I had no idea what was happening and no idea what will happen. I was a toy in their maligned system.

But the ordeal is not over yet, at least for my wife. To her I also foolishly recommended the N26 (a decision I will regret as long as I will breath). Her account is at this point also closed. I can only assume it was closed because she sent some of the money she receives, as a public servant, to me. Her account was closed at the start of June and she sent, as myself, all the needed documents but they are still withholding the money. I can only speculate but I belive the bank has some serious internal problems and that is why they can't pay out they clients money. An additional reason not to open an account with them.

To conclude don't open an account with N26. If you google them up you will see that hundreds if not thousands of clients accounts were illegally closed and people are waiting for their money to be released.

Cant fault this online bank. Previously with Sabadell which was an absolute nightmare. I moved to N26, I have a free account and it has been superb. No delays, great ability to contact. My card has been accepted everywhere. I am able to make withdrawals from any cash point- with a free account only one withdrawal a month, but I rarely use cash so only keep some in case. The app works well, and I get requests to confirm online purchases which I really like as it prevents money being taken from my account.

N26 app doesn't work well and because of a bug, they suddenly closed my account and blocked all my funds. I didn't have access even to my bank statement. They asked for a huge list of documentation, and after I proved I was me and that it was my legal money, they replied saying they wouldn't return my money. All of these led me to days and weeks of real stress and suffering. I had to spend hours pressing them on social midias, writing e-mails, connecting to other people (and there hundreds and hundreds of people in the same situation) in order to get my money back. This was real humiliating and they only returned my money because I was sharing my case on social midias, and not by moral and honesty. They didn't even ask for apology. They are abusive, their employees would keep visiting my profile while they would just block my money without a human to properly see my case. Close your account and keep your money away of them. Preserve your mental health.

Great and reliable service, free of charge. Zero paper company!

I have comparison with a bigger bank in Germany and this is definitely milion times better choice.

If you are non-EU citizen, you might be curious if your finances are in safe hands. There is a EU regulation that if bank collapses, state covers your funds up to 100k EUR, and compared to financal situation of Sparkasse or DB, N26 is actually likely doing better then big banks.

Bank that cannot be trusted.

They cancelled my account and after three months, they have kept my money and have not given me any answer.

I am complaining to the relevant authorities.

Great and reliable app. It's been my main banking app for a few years now, and can really say it's been a breeze using it. I love the detailed overview of my spending & income sources, which helps me keep on track of my finances.

The worst customer service of any bank I've ever had contact with. The chat is broken half the time and no one can do anything you request. They work well if you never have an issue. But if you have an issue, fkc me dead may as well take the week off to resolve it.

Fantastic experience. Great Bank no montly charges, great rewards

Terrible support and inefficiency in simplest tasks and super outdated UI / tech

I encountered a few issues, but the customer support always responded quickly and my issues were solved within minutes. Wish they would support more currencies though!

Unfortunately, the processes at N26 are rather poor. Everything outside the normal banking business is rather complicated at N26. Zero customer service, poorly informed advisors and quite incompetent. Rather not recommended.

The Best Bank out there. This is really the best bank out there, simple to use, fast, Customer Service is very responsive. I've had other banks and their mobile apps are SO outdated compared with N26.

Awful, i just yesterday recommended them and today they frozen my account i don't know why!? Maybe because I made a €4000 transaction IBAN transfer from my another official account from the same country! ridiculous! by the way I'm a metal member better than premium my subscription is annually, all customer service they have can't help me or continue speak to me it is like they discovered that I'm some kind of terrorist or something! Very rude ! I should receive an email from them but nothing yet, i still have my money savings with them and I cannot do anything about it! I very liked them at first I even ordered all of their cards including the heavy Metal one which is worthless by the way i just liked them and i wanted to support them, i recommended them everywhere and 5 of my friends (including my wife) opened an account with them after my recommendations, anyways they are rude, not professional at all ! And their priority metal phone number is scam check for yourself +4930364286880 I still shocked about what happened, i was driving and my little kid playing with my phone, i received notification on my apple watch said my cards are all blocked at first I thought my kid did it by accident but later I knew that they blocked them and froze my whole accounts, forget about customer support, they have an address in Berlin hhhh very funny check their address yourself please on Google maps

ACHTUNG!!! NEVER EVER OPEN A BANK ACCOUNT FROM N26 MOBILE BANK! As soon as we settled in Dortmund, to handle with the various payments, naturally I have opened a bank account from N26 Mobile Bank by online passport identification. After that I have transferred 500 euros from my friends account to pay telephone bills and so on...After 3 or 4 weeks, N26 sent me an e-mail saying that my identification is not confirmed by the bank without no reason. But at the beginning of account opening they have easily opened the account and got the money. After that date, I could not reach my account and wrote several e mails to N26 to get my refund back. one day they have sent me a mail saying that they needed another account from another bank and so that they could transfer my money back. Of course although I have sent them all the the documents they wanted, they did not sent my money back and meanwhile from time to time sent me e mails saying that they were so sorry but trying to fix the situation. All of their mails were just a delaying tactic. Because N26 engagaes in fraudlent and publicly and fearlessly steals money from some of the people they choose. Nevertheless about N26 you can also find the same complaint about other people which I have unfortunately so late seen. And yesterday this bank again sent me another mail requesting:
 "Tax Return (last two taxable years), Letter from a Bank or Accountant stating assets, Bank statement or equities statementi Payslips showing previous two years' income, An accountant’s letter stating a client’s real estate holdings and inheritance suffice for net worth, Proof of balance at the crypto exchange(s): an account statement or proof of balances letter ,Signed message on private crypto wallet" These requets are really nothing but nonsence!!!
While opening an account N26 did not want any of the above  mentioned documents, after they have extorted my money although I have sent them my Volksbank IBAN number. In such a great country as Deutschland, the people are getting easily swindled by this N26 Mobile Bank.

Today, I've tried to open an account with the bank and unfortunately I couldn't complete the process due to having a Colombian nationality, in spite of being a legal resident of Spain. I have a valid and legal Spanish ID, I have a steady job, pay taxes and I've been doing so for the past 5 years. Still, I get refused an account because I was born elsewhere.

It's a shame that the bank refuses to do a thorough investigation of new users and instead opts for a completely discriminatory and xenophobic practice based on place of origin and not on legal residentship.

I've never felt so discriminated before. I do not recommend this bank to anyone who respects diversity and different nationalities. What a big disappointment.

Dreadful. Account frozen due to bad software. Ever since, received emails - EMAILS- from Customer Service stating I have a new message and to login to my account to view the message- I AM LOCKED OUT OF MY ACCOUNT SO WHY DONT THEY TELL ME WHAT THEY ARE DOING TO RESOLVE MY COMPLAINT IN THE ACTUAL EMAILS?! 🤬🤬🤬🤬🤬

Great bank, excellent customer service ready to help

I waited more than a month for my reordered card after some unauthorised payments. I asked them to compensate me for this by sending a new one via express shipping for free as I’m not interested to wait more months or years for such a card. But some bucks for them were more valuable than customer satisfaction. As a client for almost three years I gonna finally leave the bank with one of the most horrible experience with banks.

International transfers are like:

>We work with Wise.
>We don't have a clue about how Wise works.

N26 was a useful bank but they suddenly locked my card and blocked money transfers (even social transfers) without any explanation, warning, or demand. I contacted them several times and they just promised me that I'll soon receive an email regarding my account but there is no such email.
Highly disappointed and I'll report them to the police today.