N26 Reviews 

I Simply love It. The experience, the service, the features, the offers. I now love banking :)

My experience with N26 has been very frustrating.

I tried to open an account on 18 August 2026. During the process, I experienced a problem with the identity verification in the app. I was informed that the verification would be completed through a video call.

Since then, I have been unable to complete the account opening process. The photo verification in the app continues to show an error, and I have also been unable to complete the verification by video.

Today is 31 August 2026, and since 18 August I have been waiting for a solution. Despite waiting and contacting customer support, I have not received effective assistance that resolves the issue.

Based on my personal experience, I cannot recommend N26 at this time. An essential process such as identity verification should have a reliable alternative and customer support that can resolve problems within a reasonable timeframe.

I hope N26 reviews this situation and takes action to improve both the verification process and customer support. This review reflects my personal experience based on what happened between 18 and 31 August 2026.

The paid customers suppose to have telephone support but the phone number in the app is not working.

EDIT AFTER N26 RESPONSE:
No, Premium customers in Greece and probably other countries cannot reach you through the phone in the app. The phone number is not working and the provider says that the phone number is not registered to any user.

avoid this scam company, I do not used their application, tried to close account but they want to get 150euro. I do not have any card or something. Better avoid it, another companies like revolut or wise never do those scam.

N26 app is very simple to use and its accepted in most places. I still think the old N26 app is much better and user friendly than the new one. Old N26 app has more feature also.

Really bad support.
They wrote: To Long to Read...
On Italian Law for opening a bank account

Travelled to Thailand recently and needed cash, the exchange rate at the ATM was very good. I have used the card for all kinds of purchases and was accepted everywhere.

I’m truly living a nightmare with N26. I moved to France to pursue a master’s degree and needed to open a French bank account to receive my scholarship. I created an N26 account and transferred all my savings. For convenience, I tried to transfer part of the amount to my Revolut account in my home country, since I already have the physical card and would like to use it until I receive my N26 physical card. The transfer was denied, and my account was frozen—along with all my money—for review. They estimate that the review could take up to 3 business days or longer. Since it’s Friday now, I’ll likely be without money until Wednesday. I’m alone in a new country without a penny to my name; I don’t know how I’m going to eat or use public transportation. How can a bank just take all your money and leave you completely stranded? I don't know what I'm going to do, but please don't make the same mistake I did by trying to use N26 as your primary bank.

I am with N26 last 8 years. Best card!!!

The employee immediately recognized the problem and helped me. Absolutely superb, professional service, which is unfortunately very rare these days. You can be proud to have such an employee.

Great Bank, easy App, have hade N26 for over 6 year never any problem and most of all they stop scaming the account when someone tried 6 time to take money that was a gold star to N26.

Metal Plan insurance is an absolute scam ! I had a recent incident happened in London, i have burchased the camera and while being in the london city center - i have been robbed and the camera was stolen from me . Purchase has been made using N26 card, Police report filed on time, claim opened , all the evidences, documents provided , all the detailed explanations telling what happened minute by minute. After all their partner Allianz has refused the case for 'inconsistency' . I have never been explained in detailed , what was the reason of that refusal . I am now in the process of appeal and if there is no luck with that - i am going to report this issue to the Comisionado para la Defensa del Asegurado, and/or to the Servicio de Reclamaciones of the Dirección General de Seguros y Fondos de Pensiones (DGSFP) . I don't understand the point of selling metal plans for additional benefits when they don't cover you when you expect to be safe with them ! Absolutely disapointed , and considering closing an account after that incident !

Investments are not available to Russian citizens even if they have a German residency. You ground it on Sanctions against Russia. This is not true. Sanctions have exclusion for residents of Germany.
Art. 5f Regulation (EU) 833/2014

I opened an account with them hoping I wouldn't need to go to a real bank. I'm in Spain and I was told that it would work well. I couldn't withdraw cash at ANY ATM. I tried more than 20 ATMs at different banks and it never worked. I had to call customer support twice and after 30 minutes each time my issue was not resolved. I would not recommend this bank if you're trying to do absolutely anything with your money in real life since there were so many glitches and it was so difficult to get through to them. I will probably be switching banks so as to avoid this nightmare.

Reliable Bank app. It is safe to use Mastercard N26 card on Internet, as a app confirmation is required and useful. Everytime you use the card you will receive a notification.

After just under four months, N26 and MasterCard are refusing to refund the money that was debited from my account. Although there is evidence that I never actually received the money, both institutions are refusing to refund it to me. N26 tells me I should contact the police.
A solicitor I have consulted reserves the right to initiate an investigation into suspected money laundering.

Update (23 September 26):
N26 has since reviewed my case again and resolved it satisfactorily. After N26 contacted the Commercial Bank of Ethiopia directly, it was confirmed that the debited transaction was the result of a booking error.

I have been fully reimbursed for the amount wrongly debited. The overdraft and interest charges incurred have also been settled.

I still found the communication at the start of the case unsatisfactory, as I was initially referred to the police on several occasions. However, I would like to highlight positively that N26 eventually reopened the case in full, carried out its own investigations and found a definitive solution.

The matter is therefore satisfactorily resolved as far as I am concerned.

I so much love N26,is so easy and convinient to use,also itis faster and comfortable to use,thank you N26,i love the banking system so good.keep it up

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?