N26 Reviews 

I have been charged for a service that has never been provided and appears as refunded for the dealer. N26 closed the chat and kept ignoring my disputes.

I have been an N26 Business customer for some time and recently decided to shift all of my business banking there.

The account is straightforward, reliable and easy to manage. The app is exceptionally well designed, transfers are simple, and Spaces makes organizing money particularly convenient.

Most importantly, I can depend on it. As a small business owner, I want my banking to work quietly in the background so I can concentrate on my clients.
I’m very happy with my decision to consolidate my business banking with N26.

It's a disgrace. I've been a Metal customer for three years, and one of the main reasons I pay for the service is the supposedly "premium customer support."

I've needed their help only once in three years, and the experience is absolutely terrible. They repeatedly ask me to send huge amounts of documentation that I've already provided, and then give me ridiculously short deadlines to respond, threatening to close the case if I don't comply.

Meanwhile, when you're waiting for them, it takes days — sometimes weeks — to get a response. And when they finally get back to you, they sometimes ask for the same documents again, with a deadline of just a few hours. How is that acceptable for a so-called premium service? I dread to think what their CS is for other offers. This is a BANK, not some dodgy e-commerce seller...

On top of that, their savings interest rate is terrible and well below what I can get elsewhere. I currently have around €50,000 with them, but I'll simply move my money elsewhere and cancel my subscription.

I definitely wouldn't recommend the Metal subscription. It's extremely expensive for what you actually get.

SOLVED! After several contacts through the available channels, an agent conducted the video verification, and I was finally able to regain access to my account.
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You can end up locked out of your own account with no real way to get help.

I lost access to my account after requesting an update because I moved from the Netherlands to Germany. Since then, the verification keeps failing, even with the same valid passport that was accepted when I opened my account.

I’ve tried more than 22 times, on both my phone and iPad, after all steps, just say they can't verify my document, and the videocall verification with an agent never appears.

You cannot call N26, and they don’t call you. Your only option is a visitor chat with generic answers. They told me my case was escalated and that another team would contact me by email, but I still haven’t heard anything.

I have no access to my account and nobody is actually helping me. This has made me feel extremely insecure about keeping my money with N26.

I honestly love using N26! ❤️ It has made managing my money so much easier and more convenient. The app is really simple, modern and easy to understand, and I love being able to manage everything from my phone without unnecessary complications.
I’ve also had a very good experience with the customer service whenever I’ve needed help. They’ve been kind, helpful and responsive, which makes a big difference when you’re dealing with something important like your bank account.
Overall, I’m genuinely very happy with N26 and I’m glad I chose it. It has made my everyday banking experience so much easier. I would definitely recommend it! 😊⭐️

Initially, I signed up for N26 years ago, as an excellent alternative to traditional banks. I was happy with their services, and even paid for a premium subscription.

Recently, I realised that as soon as something goes wrong, this bank is infinitely worse than a traditional bank. After having my wallet stolen and card used to withdraw hundreds of euros against my will, I have been fighting non-stop with the bank to get my legally required reimbursement.

If something goes wrong, you can only interact with them via a Chat, where it's unclear whether answers are AI-generated or not. They have victim-blamed me, said that I used the card (when I have video evidence of not even being in the same place as the ATM, and a police report). Their practices are completely hidden, and they force you to repeatedly submit statements and requests, only to refuse you with condescending statements and AI-generated messages.

This bank will make you feel like a criminal if anything goes wrong. Please, please, for your own sanity, never ever conduct any business with this bank. After my (continuing) experience with them, I am regretting the day I even saw their website for the first time.

If everything goes well, it's fine. The very second something goes wrong, their horrendous "customer service" will make you wish you were dealing with an executioner instead.

Absolutely shocking and despicable bank I apparently signed up for a more premium account without even activating my account (they require you to add money to the account for it to be activated) since there was no money on the account as I wasn’t interested in activating it after signing up the balance went overdraft and with no emails from them or anything just a silly email stating “we have sent you a message on the app” that’s it! I wake up six months later with an email from a debt collector asking for 145 euros. (60€ of which was the debt collector fee!) I thought it was a scam. Absolutely atrocious service and con artists they are. Stay away!
I would like to add that I couldn’t even contact them anymore as the account had been deactivated and therefore had no choice put pay these debt collectors.

A very interesting bank with a user-friendly app that offers many useful features. I’ve been using it for several months, and I consistently find it to be one of the best in terms of interface and intuitive transaction workflows. Everything is clear and logical. Thanks to the developers!

Dislike that the app is not in Dutch language.

I had no problems with N26 until they reduced my overdraft then removed it without notice while I was around 6% overdrawn. This was done weeks before my next payment into my account and has forced me into loaning money to try survive and I have had to forego some medical bills which I am expecting to cause trouble further down the line.

It was impossible to contact anybody on customer support for help with Reddit being the the most reliable way to contact them but it wasnt productive.

My complaint also took 38 days to be resolved when I was told it was quite straightforward but again no help was provided and never had a call or even a proper email to discuss the matter.

Have absolutely lost faith in this bank and am considering my options

Edit - I responded to the Trustpilot request which has now been ignored since September 25 2026

I’ve been a customer for over 6 years and extremely happy with my experience, I highly recommend. Flawless user experience, low/no fees, and responsive customer service.

Wouldn't want to miss my N26. They're living proof why the finance and banking market desperately needed more competition. N26 makes my life easier, is 100% reliable and gives me better value for a small fee than any of the traditional banks ever did.

Good bank, but very disappointing customer support

I am generally satisfied with N26 as a bank. I like the app and the banking services, and I have no major complaint about the banking product itself.

However, I am very disappointed with the customer support. I was incorrectly detected as being in Iran while I was actually in Spain, which caused restrictions on my access. I contacted N26 support several times and explained the situation clearly, but I did not receive a proper solution. Instead, I received generic responses that did not address the actual problem.

I understand that N26 has to comply with sanctions and security requirements. My complaint is not about these controls; it is about how the support team handled an apparent location-detection error.

I would continue to recommend N26 as a banking product, but the customer support experience in my case has been very frustrating and needs significant improvement.

I am very Happy and satisfied with N26 Bank
I have been using N26 bank from 7 years ago and every thing was easy and perfect so far
Thank you for your service

Fabulous bank, had it for years and no other bank beats that experience!

N26 is an easy and very committed bank to daily deal my transactions and carry on in my pocket. Thank you

No hidden fees, transparent pricing, fee-free spending abroad in most plans, Google/Apple Pay support, and instant freezing/unfreezing of my card right from the app

Great app and experience