N26

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?

Open a bank account with them if you don't mind that they will not help you if problems arise. For no reason, they might block your account, giving you no reasoning other than just wait. Wait for what exactly??? Expect that you will not able to talk to anyone what ever problems you have. You can communicate them only via a chat that will tell you to wait and then wait and then wait more.... Even contacting the two-cofounders, Mr. Stalf and Mr. Tayenthal does not help unblocking my account which I guess is blocked because I used another sim card in my phone for two days. Avoid them at all costs!!!!

You start using their service, think that how great they are, and suddenly you have a problem, and you write them, and they say "oh we understand you, we are here to help you, we will call you back" and no one calls you. And a day later you call and have the same discussion. I had this loop 4 days in a row. I am not able to use N26 about a week. Every service has issues, but N26 has major problems always. If you care about your mental health, just stay away from them. This time it's last because me, and other 2 persons from my family already opened another bank and close N26. I am the only one who stuck because they do not solve my problem to transfer my funds.

Your Money is Not Safe with N26 I want to share a personal experience in hopes that no one else falls into the same trap. About a month ago, my wife’s N26 account was hacked, and €870 was stolen from us. We immediately followed the standard procedure, opening a dispute in the app, hoping to get our hard-earned money back. After three long weeks of waiting, N26 informed us that they would not reimburse us. According to them, the thieves used Google Play, which supposedly requires either a password or a one-time access link – something neither of us would ever provide. Both my wife and I are tech-savvy, and I have been working in tech, building apps, and software, for many years. In fact, my company even offers cybersecurity services, so I’m well aware of the risks and how to safeguard against them. We never added the N26 card to Google Pay or any other wallet. Despite asking N26 to show proof of their claims, they took two weeks to respond, only to say that their decision was final and we would not see our money again. To my shock, after searching online, I found numerous others who had gone through the same ordeal. And the worst part? N26 seems to use the same excuse over and over: “Google Pay was used.” I’ve been a loyal customer for four years, even recommending N26 to family and friends, trusting them when they promised that our money was safe. But it turns out, they do not care about their customers' security or satisfaction. If you’re using N26, please be careful. Your money might not be as safe as they claim.

I signed up for the N26 account, and my card and cell phone were stolen during my 3-month trip. I don't have access to my cell phone until I return to my home country so I had to change my number. More than 15 days have passed and they have not verified my identity so I do not have access to my online banking and I cannot know if I have been robbed. I have contacted them more than 20 times through chat and no one pays attention to you. I am totally disappointed with this online banking. I would never sign up with them again. Nobody informs you, nobody pays attention to you. Horrible experience Me hice de la cuenta N26 , y me robaron la tarjeta y el móvil durante mi viaje de 3 meses. No tengo acceso a mi móvil hasta que vuelva a mi pais de origen por lo que tuve que cambiar de número. Han pasado más de 15 días y no han verificado mi identidad por lo que no tengo acceso a mi banca online y no puedo saber si me han robado. He contactado más de 20 veces con ellos a través del chat u nadie te hace caso. Estoy totalmente decepcionada con esta banca online. No me volvería ha dar de alta con ellos nunca más. Nadie te informa , nadie te hace caso. Horrible experiencia

BUYER BEWARE! GARBAGE! Embarrassing having it decline when they don’t tell you you can’t run it like a normal card. You cannot run this card like other debit cards (as pin-less transactions at restaurants). I had this card decline at a big client dinner and it negatively impacted my reputation. They do not state anywhere obvious about the lack of functionality compared to other banks. I will be switching back to PNC due to their poor customer support and lack of clear declaration of limitations. Mind you, their customer service response she was “we will pass that feedback to our tech team.” What horrid customer service and failure to release a product that is more than just an alpha release. It’s like a land mine, you never know when it’s going to go off and not be accepted. Also the debit card is not accepted by Venmo, Cash App, PayPal............