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As long as I was using the bank and the card just for regular deposits, withdrawals and charges all went well. However, 4 years after starting my account at N26, one day 39 fraudulent charges were made to my credit card, all within less than 20 minutes, for over EUR 1k and all from 2 vendors who I had never made a transaction with before. A classic case that should have been caught by any basic AI or fraud prevention process, yet didn't at N26. Even though I caught the fraud, contacted the specialist on the chat, disputed all 39 charges AND blocked my credit card within minutes of the fraud, almost a month has passed and N26 has still NOT returned all my money from the fraudulent transactions! Furthermore, over the past weeks I had to engage 7 customers service specialist to finally get the last one to act and for customer service to send me a personalized message! Yet, there will be no trace left of all this since N26 doesn't provide you with a transcript of the chats! What's worse, once you read the messages on your N26 application it is immediately deleted! (Fortunately I have kept print screens from all conversations). One wonders if the fraudulent organization is not N26 itself?