I have overpaid a service that qualifies as a scam. I even had a police report filed. N26 offers an investigation service for 15€. Has anyone used it? Do you find the service reliable? Of course, I’m not sure if it will guarantee my money back. The cost is not such a high deterrence.
I've been thinking about switching from my traditional bank for a while now. My current bank has been charging me fees for basically everything and the app is slow and outdated. A friend of mine recently moved his salary to a neobank and said it changed how he manages his money day to day. I'm a bit hesitant though because leaving a traditional bank feels risky when your paycheck is involved. I want something with no hidden fees, a decent app, and actually reliable customer support when things go wrong. Which neobank do you use for your main salary and do you actually feel safe keeping your money there long term?
All of sudden my N26 account got closed by just saying "due to legal reasons and no specifics". I have been using N26 bank since past 10 years in Germany and having around 2000 euro in my account. I don't know who to reach out. There is no customer support to call , there are only AI bot which don't help much. Can someone please share any suggestion on how to proceed and get my money back ? Should I go to BaFin or get a lawyer ?
The app says I need to verify my info, but I can't verify my address, because all of a sudden it's 'an invalid town or city name?'. Even though I had 0 issues changing it when I moved to that address about a year ago.
Tried everything I could find, like entering it without the postal code, but nothing works.
Tried the chat, but have been getting the 'something went wrong' message since thursday and I can't call, because I have the basic package.
Is this their way of forcing people to get a paid subscription?
How exactly am I supposed to verify my info if the address all of a sudden doesn't exist according to the app and I have no way to contact them?
Hi,
I suddenly got a membership charge, it was refunded when i questioned it but then noticed my physical card doesnt work anywhere. I didnt receive any communication about this, has something changed?
Hello everyone, since i see a lot of people experiencing or have experienced the same thing as me, i thought it could be a good idea to document and share my journey to its end. Below I have attached an anticipated timeline that I will frequently update to help either future issues or perhaps even on-going ones. (With that being said, i am genuinely thinking about closing my account with N26 depending on how they handle this situation. #000EUR is a lot of money and if their unoptimized AI detection systems are causing this much hardships to other people, i don't trust the bank/brand at all.)(I understand a lot of you have had no issues with the bank and for you, that is awesome! This post is not for you).
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May 3rd, 2026 (@EARLY AM) ; 72HR Security Check Began- (Deposited #000 EUR for tuition & living expenses)
[Never had an issue Topping-Up via apple pay, I'm assuming the large amount is what triggered this lock---I’ve read a lot of reddit threads talking about their “trigger happy AML/Fraud” security check systems due to a big fine they had to pay for being too relaxed in the previous years]
I plan to file an official complaint once the acclaimed 72Hrs passes. Which would be on early morning May 6th. I have drafted my own complaint document - Can pass on if necessary.
[Important Side Note: their customer service CANNOT help you. save yourself some frustration as they do not have any power to speed up the review process. they will send you BOT answers over and over again. I wanted to see if what the other reddit threads said were true, it is!]
May 6th, 2026 (Wednesday) (hopefully see it that working day ) : official complaint to N26.
TBD//May 20th, 2026 (Wednesday) - BaFin + Eccnederland Contacted (since i am student living in Netherlands).
Hello BaFin Team,
I hope this message finds you well. To get straight into my issue, N26 froze my account on [date] and is withholding €#000. I submitted a formal complaint to N26 on (DATE)(ID [####]) with no adequate response within the stated PSD2 15-day window. I request supervisory review of N26’s complaint handling and the prolonged blocking of funds, which is causing financial hardship/inconvenience (tuition/rent/day-today expenses). Necessary Evidence attached.
BaFin complaint (Germany) and/or the relevant Ombuds/Arbitration body. https://www.bafin.de/EN/service/kontakt/kontakt_node_en.html https://www.eccnederland.nl/nl
TBD//May31st, 2026 (Sunday) - IF UNSUCCESFULL FOR A LONG TIME I will then request a chargeback eventually
Since I topped up my amount using Revolut apply pay, I'm going to request a chargeback claiming fraud and they are holding my funds improperly. (if the formal complaint does not come through)(i believe there is a 120 day window for Revolut). -- This is actually the main reason why i saw N26 to be so attractive. The ability to add funds via Apple pay through debit/credit card. This is very common in Asia and in the US so, i really was hoping for the best.
WILL DILIGNELTY KEEP THIS UPDATED FOR EVERYONE! Have an amazing day and hopefully if you are in situation, to not be so stressed! (WE GOT THIS!)
If you have any insights or tips for anyone else please let all of us know!
I don't know what's going on at n26 right now, but their way of handling this change is not looking good. They told me that my account would be locked on the 11th of May and I would need to verify with my documents. That happened at 12pm today, and I successfully verified myself. 1h after that, they locked my account again. Is there anyone here from the support team who can look into this?
The bot told me to ping u/N26Support
First of all I am not a customer of N26 yet, I have Revolut and Wise.
Now I was checking out N26 because of their cashback (which revolut got rid off). And noticed they claim NO foreign transaction fees when paying with the N26 card abroad.
Is this true? I know revolut doesnt with the metal plan but you pay €20 a month for that. Wise definitely charges you a fee.
If they don't charge a fee, how are they making money and how do they avoid currency risks over the weekend?
My N26 account was mistakenly cancelled and terminated on 29 April 2026. They’ve cited “irregularities” as the reason. I’ve filed a complaint and I’m waiting to see what happens. Can anyone explain this?
For clarification, my account was opened on 15 April 2026 and €200 was deposited that same day. It had one bank transaction to another my bank of €20 and twelve purchases/card transactions: in Lidl/Dunnes, Ireland and Notino (online store based in Italy). My current balance is €41.56
The last recorded activity was registering N26 card on eBay on 27 April 2026.
It must be clear non of these transactions could possibly be identified ‘irregular’.
Considering further enquiry to the German and the EU Central Bank, German Federal Financial Supervisory Authority (BaFin), European Consumer Centre (ECC).
There’s a real dilemma: the traditional bank’s red tape and slow processes versus digital banking’s over-reliance on bots and AI
Since yesterday afternoon, stock prices in the N26 app (Investment tab) have stopped updating. Positions in my portfolio are stuck at outdated prices—for example, one stock is up more than 5% in real time but remains unchanged in the app. The total portfolio value is also not updating, and all stocks in the search/invest section display stale prices.
As a result, the prices shown in the app are unreliable, making informed buy/sell decisions effectively impossible.
I’ve contacted in-app support: first I was asked to provide screenshots, then advised to uninstall and reinstall the app, which I did, but the issue persists.
Is anyone else experiencing this, and does N26 have any update or ETA for a fix?
Hi everyone,
Three weeks ago my luggage was stolen while on a work trip. I immediately went to the police (this was in Czech republic, but my account -and where I live- is in Germany) to file a report. I then filed a stolen luggage insurance claim with N26 since this insurance is included in my benefits.
N26 states that you should get a reply within a week. I waited a week and nothing. I then sent another email asking for an update. Now 3 weeks have gone by and there has been no reply at all.
Anyone with a similar experience? What can I do?