N26

n26 Bank Account


4.5 / 5
11 reviews


Average Ratings

11 Reviews

  • 4.5 / 5
    Overall

  • 5 / 5
    Ease of Use

  • 4 / 5
    Customer Service

Product Details

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About n26 Bank Account

N26 is an Online Bank with the mobile solutions in order to redesigned banking to make it simple, fast and contemporary.


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n26 Bank Account Features


n26 Bank Account Reviews Recently Reviewed!


Great FinTech for the masses

Jul 30, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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Pros: You have a real, fully fledged bank account, it is in your mobile, and you have a card to use anywhere in the world. What else you might ask? And it really works, and you receive notifications of incoming transfers instantly, moving the old-style bank "daily notifications" to the todays' "instant gratification" times.

Cons: Well, the customer service deserves much more attention. I have a problem when their software just crashed on my easy request to provide me with the account statement. It took several weeks before they fixed this in the next app release. And noone to help you in this situation. Also, their "integrations with other providers" do not work as nicely as the main app. For example, you can use TransferWise from inside the app as well as a separate app. In the Transferwise app you get the nice-looking transfer confirmation the moment they sent money out. Getting the same from within N26 takes several days and several slow and unfriendly chats with the customer support.

Overall: Good banking app in your pocket

An excellent Bank

Jan 28, 2019
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: N26 gives you the opportunity to open a Bank account from home and to issue an IBAN from a European bank in no time. Most importantly though, it's the fact that N26 is a licensed bank from the European Central Bank and therefore my money is protected. Moreover, it's pretty easy to navigate both in the app and the website while you can control literally everything online. You are not requested to visit a bank branch like any other typical bank. The fact that there is a free plan with so many features is also a big advantage! As for the software they use, it's minimal and understandable by everyone. For your information, the card was delivered in 5 days in an EU country (different than Germany & Austria).

Cons: There is nothing that I didn't like in particular. I have only two things to mention. Firstly they could offer 24 hours support service (live chat, calls etc.) but they anyway are available during daytime while typical banks are only open at the morning. Secondly, they could add more top-up methods like with a card and not only through a bank transfer. Other than that, they are just perfect

Overall: I'm using N26 for personal use and it works just great. I highly recommend it!

Capterra loader

Bank account of the future

Feb 03, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support
Likelihood to Recommend: 10.0/10 Not
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Pros: I like how intuitite it is, how great has the user experience been curated. I love that I can create different accounts inside my personal account and save money for different projects, holidays etc. I also get notification whenever a payment is gone through, or money has enterd into my account. I would totally recommend it to anyone who is tired and frustrated by its current bank account.

Cons: I like everything about this bank, so far I havent spent a cent to take advantage of all the services, so there is nothing I can complain.

The first bank I have ever liked

Jul 02, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money

Pros: Transparency is definitely the best quality of N26, I have always had problems with the management of my bank account because I never knew what was happening in the long run, but since I use N26 I feel in control of the situation. The clean, simple and intuitive design definitely helps my experience as a user. The ease of opening a new account has no equal, simple direct and effective, and fast, it took me less than 20 minutes to have a perfectly functioning account. Also, the customer support left me very satisfied, when I had a question, I received very quickly a personal support and I have been followed with great efficiency and kindness.

Cons: If I have to find cons, it is the fact that being N26 an online bank without a physical location, it is not possible to cash checks or to transfer pocket money to the account.

The new way to bank

Oct 15, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Real German bank account with German IBAN

Money is ensured up to 100K Euro by German fund for banks

Mastercard debit card

Free no limit withdrawal

Apple Pay and Google Pay support

Free money transfers in Euro (SEPA)

Transferwise integration for cheap and quick money transfers all over the world

Cons: Missing option to purchase travel insurance for free users, too.

Overall: My personal finance has greatly improved, thanks to N26. Since the release in Italy I've been a customer of theirs and I am really satisfied so far. Apple Pay and Google Pay support is great and I get instantly notified about any in and out updates of my money. The web app is easy to use and functional.

Great features when compared to competition

Nov 28, 2018
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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Pros: It has support for Android pay which I use on a daily basis

"Space" makes it very easy for me to manage my what I spend and reassures me that my money is save if my card was stolen

Their search functionality is far ahead of competitors with basic tags or no searching at all

Cons: You can only add money to your account via bank transfer.

In Ireland, some banks require you to use a card reader every time you wish to make a transfer to a non-Irish account making this inconvenient for travel as you need to have your reader with you. It would be good if they supported other methods like debit/credit card payments to add funds to your account

It would also be good if they supported generating "virtual cards" as some competitors do

Overall: Great value as it is free with leading features

Best digital bank ever!

Nov 19, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support
Likelihood to Recommend: 10.0/10 Not
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Pros: I really like the transparency, it is so fast, easy and clear that I can't believe that it is a bank!

The design of the app is beautiful, I get notifications on my phone whenever a payment is done or I receive money, it makes me feel very relaxed.

Cons: At the moment the only lack is depositing cash on my account, but I am sure that soon there will be a way to do that.

Welcome to the N26 " Circus" Bank

Mar 12, 2019
1/5
Overall

3 / 5
Ease of Use

3 / 5
Features & Functionality

1 / 5
Customer Support

1 / 5
Value for Money
Likelihood to Recommend: 1.0/10 Not
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Pros: If I was to consider the features and benefits of app , even now . Yes it's a nice app with many functions but all useless if you have no support . Read the cons !!! Easily outweighs any pros they may have

Cons: A bank that wants your money but doesn't want to speak to you on phone

Only Chat support that can end the chat when they like

Complaints team is full of marvel superstars ( only fiction )

Apply for a Chargeback request and they have even shocked Mastercard with their astronomical processing times and support .

Mostly importantly if you do your research right ... you know that I am not the only one facing these issues ... there are thousands others .

And worst part is N26 won't say why we can't get phone support through them .. which was all available when we opened the account .

Overall: I felt like a kid again .. It's a great Circus

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Know exactly how much you spend and have

Oct 17, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality
Likelihood to Recommend: 10.0/10 Not
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Pros: - Immediate notification on spending, no more worrying about fraudulent or double charges, or only being able to check your online credit card billings a few days later.

- Speed and ease of login with iPhone's fingerprint access.

- Customer chat support usually available within 5 minutes.

- Lock down your card from the app in the event of loss or theft

- Ability to change your pin from the app

- Create different "accounts" or segments to manage spending.

Cons: Support documents need to be clearer or update e.g. some sections says "email us" but took me going through customer support to find what the email address is to send my supporting documents.

Capterra loader

A possible success, but needs more work to be done

Oct 21, 2018
3/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

2 / 5
Customer Support

3 / 5
Value for Money
Likelihood to Recommend: 4.0/10 Not
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Pros: The app has a very modern, very easy to navigate interface. The basic credit card looks amazing (black and transparent) and the company actually gifted 10$ to newcomers, no strings attached. The registration process is pretty straightforward and really requires no time at all.

Cons: The waiting time for my physical credit card was supposed to be around 10-14 days, but it got lost before entering the country. Contacting the support has been troublesome too: I had a hard time finding people available on their chat, and they had no contact options available in their Facebook page.

Overall: Opening an account is free and really requires little time, I had mine set up in a few hours. Support isn't as great, but it's not beyond repair.

Pure digital banking - simple and good

May 18, 2018
5/5
Overall

5 / 5
Ease of Use

3 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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Pros: Very easy to sign up. Minimal fees and very easy to use. The mobile app is great and got the credit card very quickly.

Cons: Missing some important features such as sharing the account with your significant other. Can only share the account credentials then.

Overall: Banking!