N26 Reviews 

One day, I open the app, and they ask me to verify my identity. For privacy reasons, I do not consent to automated biometric checks, so I followed their procedure for that case. The process has 8 steps, which I followed. BUT, at the end, the process loops back to the biometric auth.

So I contact support using the chat. The chat bot asks me to send a mail to the support, and give me the email address. Ok, fine, I send a detailed mail. The response, titled "N26 – The first bank you'll love", is:
"Regarding your request, in order to help you with this kindly contact us via your registered E-mail address or our visitor chat channel, to open a visitor chat kindly open this link [link to chat] and scroll down until you see "Open a visitor chat"."

Which is the thing I had done do begin with, but OK, I'll do that.

Then I talk to a LLM, describe my problem and the LLM asks me to send a mail to the support team. I say, I did that, and I want to talk to a human being. The LLM asks me if I'm sure, I say yes, then asks me if i'm REALLY sure, and I say yes. So I talked to someone on the chat, who asked me a lot of questions, and seemed ready to initiate a video based ID check and end up by disconnecting me and locking me out of my account. Login in again requires biometric auth, which was the exact point of my support request.

Ok... so I open a new chat in the visitor chat channel, and get the LLM chatbot who ask me again if I'm really, really, really sure that I want to talk to a human. As I'm pretty sure I do, I proceed to talk to someone, who basically explains me the process to follow, and then I explain that their process doesn't work.

Here is how the chat ended:
"You:
Can I talk to someone on the phone? I contacted chatbot, which sent me to support email, which sent me to chatbot which sent me to support email then I asked to talk to a human being, which disconnected me, so i lost the chat history so i opened another chat, asked chatbot to talk to human being (twice), and now i 'm in a chat again, i just can not take it any more, i want a real human being
is that so hard to understand that i want to actually talk to a human being?
11:12
Specialist:
Phone call is not available unfortunately, and this process could be done via chat only, just ask for human 3 times.
I hope that assisted you with your concern.
11:12
You:
you have not assited me with my concern, no
11:13
Specialist:
I am sorry for the inconvenience.
I wish you a great day ahead. Take care, stay healthy, and goodbye!
11:13
System:
The conversation has ended."

I really do love my bank.

So can a real person from N26, able and willing to help, contact me?

Note for Bella (who replied publicly):

1. I know about the "Try Another Way" process, this is the exact process I went through, and that is bugged on your side. I sent a detailed bug report, and got stuck in the LLM Chat / Support email loop from hell.
You asked me for my personal details, which I provided, and I even provided you with the reference of the exact email (bug report) I sent to support. Have you seen it? Because you just gave me back what I gave you as if you did not.

2. "However, using biometrics is completely optional." Ok, then if it is optional, why are you forcing me to do it. Review your app: there is not a single way to opt-out, not even one. Supposedly, it's optional, but if you contact support by mail or by chat you get redirected to the app, and the verification process does not allow for an alternative. Just go to your own app, and open a new account without biometrics, or use a test account, have an admin lock it down, and try to do it without biometrics. I won't hold my breath. (do it outside of Germany where, thanks God, they have a law that forbids biometrics, so you had to comply)

3. Bella: I appreciate that, at last, someone read my message and did not reply me with "Go to the chatbot", but N26 has all my contact info, is it so hard to have someone review my account, our exchanges, and contact me for real, by mail or by phone?

I started with N26 because I travel alot. I liked it so much I closed my other bank accounts. It's all on my phone and watch with security. I can change thinks immediately on and off and get notified every time a transaction is done. Good friendly service when needed. Been with them quite a few years and never any problems.

Payments are processed without any issues, and the balances of the main account and sub-accounts are up to date and clearly presented. The only minor issue concerns scheduled payments, as these are not always executed. In such cases, it would be useful to have the option to configure the payment to be executed from the main account or from any other sub-account.
The information and alerts regarding financial fraud are also very useful and helpful in raising awareness of potential risks.

The application is well-designed and easy to navigate. However, I’m very frustrated that in Slovenia I cannot use Google Wallet for contactless payments on my phone. I don’t understand why you haven’t addressed this issue yet. It seems I may have to switch to Revolut. After all, we are part of the EU.

My one and only bank i trust

Best Bank ever !!!!

Greatest bank and aplication on the world thx

Excellent! Perfect for those who want to protect their business and personal properties and information!

Easy to use and intuitive app. I love manny options I have to secure my card (disabling ATM, online, payments abroad, contactless …).

I only miss the feature of having single-use digital card for online payments (like Revolut is offering).

The account is easy to use and I like the advantages the paid version offers. The monthly budget function is also something that I often use and like.

Neglected a financial investigation I started and ghosted me until I followed up to them.
Update: asked me to answer to their request for information on Trustpilot, which I have shortly after their request (as I just confirmed on my personal profile). Happy to provide more details elsewhere if the Trustpilot RFI is not accessible to you for any reason.

Not able to switch to a different Konto, not able to talk to customer service, not able to to get in touch with customer service at all. They refused to take off my garnishment after receiving confirmation from the creditor that the garnishment had been settled. They kept the garnishment in place for another three weeks after receiving that settlement letter from the creditor, only to then revoke my overdraft facility. There is no chance of speaking to anyone at N26 or reaching customer service in any way. By far my worst experience regarding a bank.

constructive, direct, kindly

I had an issue with a cancelled stock purchase at N26. It has now been one and a half months, and the money still has not been returned to my account. Despite contacting customer support and following up on the case, the problem remains unresolved.

This is very disappointing. I would expect a bank to resolve a straightforward issue like this within a reasonable timeframe and provide clear information about what is happening with my money.

With a pure on-line bank (or shop) like N26, functionality and ease of use are essential. Should, in a rare case, a contact be necessary, the ability to contact a real person (not AI) is essential. My experience is, that even though N26 is a highly automated bank (therefore low cost for user) there ARE real persons available if needed. GOOD!

@N26, why do you reply with the exact same comment as yesterday?
How is that helpful?

Let me translate my review for you:

I once created a free N26 account.
I have NEVER used it to make any transactions.
Recently I opened the app and discovered that I had been charged for a paying account that I never requested. I received ZERO notifications for this.

I contacted your support service to explain this and asked them to cancel the charges and close my account. They have closed my account. Everything seemed fine.

Yesterday I received an email from an incasso service to charge for €72,87.

Now you redirect me to your website for support where my old credentials do not work.
Do you expect me to create a new account and be charged again for a service I never used??

Heb account nooit gebruikt.
Heb nooit gekozen voor een betalende rekening en plots sta ik 48 euro in het rood.
Heb bezwaar gemaakt en gevraagd om account af te sluiten. Dat is ook gebeurd, zonder verdere communicatie. Nu krijg ik incasso bureau achter mij aan.
Bandieten.

N26 has just told that they cannot support me in Dutch. Fine, I do understand English.
But they asked me to respond via their support channel which requires an account, which they have closed ...

I am happy to use the bank app as it’s easy and comfortable.
I have an option to save my money on saving account, so there is a specific amount I can have on my card. It just makes me feel safe.
Really fast and app, no bugs. Cool designs too.
Overall 10/10

STAY AWAY FROM THIS BANK!! Just had all my money stolen via multiple fraud transactions that easily got unnoticed through n26 questionable security! On the other hand they will block your card when traveling and trying to pay a small amount in a different currency. It seems they’re focusing on their confetti cards way more than security issues or adding more useful features like other neo banks but keep losing customer due to trust issues. Run away before it’s too late, I had to learn my lesson the hard way unfortunately. Worst experience ever! Also, n26 will always try to take down negative reviews even if legit, so please be aware of this when seeing more positive than negative ones. If they put this much effort into security tightening, they might not have this many issues.

Your E-Banking site is intuitive and nice, the bank provides me with everything I need. The customer service works fine.