# N26 Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Is N26 the right Mobile Banking solution for you? Explore 20 verified user reviews from people in industries like yours to make a confident choice.

Source: https://www.capterra.com/p/44999/N26-Bank-Account/reviews

---

N26

4.3 (20)

[View alternatives](https://www.capterra.com/p/44999/N26-Bank-Account/alternatives/)

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/)

* * *

Last updated March 13th, 2026

# Reviews of N26

Ease of use

4.8

Customer Service

3.9

## Pros and Cons in Reviews

Andrey P

PrivateAccounting, Self-employedUsed the software for: More than 2 years.

“The onboarding process for basic services is straightforward and user-friendly.“

March 3, 2026

## Showing most helpful reviews

Showing 1-20 of 20 Reviews

Sort by:

Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

Roberto Maurizio P.  
Co-Founder & Creative Director  
Design  
Used the software for: 1-2 years

### "Bank account of the future"

February 3, 2019

5.0

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.

Review Source

FL

Florian L.  
Web developer  
Media Production  
Used the software for: 2+ years

### "Still a very good product, but the lead is shrinking"

September 24, 2019

4.0

N26 has helped me to gain much more insights into my financial situation. Every time there is a transaction, I receive an instant push notification. That way abuse is almost impossible and even when I travel, I can immediately see how much something cost me in my own currency. I can download my entire financial history as a CSV file, which should be the default for any bank, but sadly is far from standard.

Pros

N26 set new standards for the quality of banking software that are higher than anything I have ever seen before. Everything, starting from the signup process, is smooth, fast and paperless. The mobile and browser apps are beautifully designed and easy to use. The pricing is very fair and transparent. Every time that I experienced any problems, e.g. fraudulent use of my credit card, the customer support was quickly there to help me via online chat.

Cons

It seems like N26’s fast expansion into new markets has come at the cost of developing new features. When I signed up, there was a menu that generated some statistics from my spending habits. This feature has simply disappeared. The MoneyBeam service, which promises instant transactions between two N26 customers, doesn’t always work because there is some underlying fault with identifying who is a customer based on their email or phone number. Overall, there hasn’t been a major redesign in several years. I am under the impression that other banks will soon catch up and overtake N26 with some new, more radical features.

Review Source

VR

Verified Reviewer  
Private  
Accounting  
Used the software for: 2+ years

### "Bad experience"

March 3, 2026

1.0

Overall, the basic features work well, but when you need real support or something beyond a simple individual account, the experience becomes very disappointing.

Pros

\- Very easy and fast to open a standard account. - Creating a virtual card is simple and works smoothly. - The onboarding process for basic services is straightforward and user-friendly.

Cons

\- Extremely difficult to get meaningful customer support. - The chatbot provides limited or unhelpful guidance. - When I applied for a joint account with my wife, N26 rejected the request without any explanation. - Support explicitly stated they could not tell me why I was not eligible for a joint account, which feels non-transparent and frustrating. - Lack of clarity about eligibility criteria makes it impossible to understand or resolve the issue.

Review Source

VR

Verified Reviewer  
Product Owner  
Internet  
Used the software for: 1-2 years

### "A great app if you don't want to pay banking fees"

April 23, 2019

5.0

My 'normal bank' debit card was expiring and I didn't want to renew it and keep on paying the monthly fees. Switching to N26 allowed me to get a more digital experience, it's the best as a daily bank but it gets even better if you're traveling.

Pros

Switching to N26 allowed me to try Apple Pay, and it's know become my main mean of payment. I also enjoy dedicated saving spaces as I'm putting a fixed amount every month on a separate space so I won't debit anything from it. As a traveler, the best is by far the free payments in other currencies.

Cons

At first I was a bit disappointed that there was a minimim activity limit for it to keep on being free. But as of recently, it seems they've lifted this limit as I can't read it anymore on their website. So really, I don't see anything to dislike at the moment.

Review Source

KC

Kir C.  
Director  
Publishing  
Used the software for: 2+ years

### "Great FinTech for the masses"

July 30, 2018

5.0

Good banking app in your pocket

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.

Review Source

VR

Verified Reviewer  
Consultant  
Information Technology and Services  
Used the software for: Less than 6 months

### "N26 - How banking should work"

April 20, 2019

4.0

N26 and the other mobile banks are shaking up the UK banking industry. Pretty much all banking transactions will be done on mobile before long and the mobile only operators have much better technology than the traditional retail banks who are struggling to integrate with legacy systems.

Pros

Mobile apps are the obvious and logical way to manage a bank account. When an application is designed from scratch for mobile it shows. This is light years ahead of the mobile versions of apps or web pages offered by traditional banks. Simple, logical and easy to use.

Cons

A bit of a pain to sign up, but mostly this is down to regulatory requirements in the UK for opening bank accounts. Still, once set up it just works. The 'spaces' feature (basically money pots allocated for specific things like bills, holidays, etc) is useful, but you only get a couple on the free account. You'll need to upgrade if this is how you like to manage your budget. Not a criticism of the software, but the transparent card - which some consider 'cool' - might not be so clever when the print on the numbers wears off and you have to try to read out the number for some reason!

Review Source

HS

Hemal S.  
Senior Account Manager  
Financial Services  
Used the software for: 1-2 years

### "Welcome to the N26 “ Circus” Bank "

March 12, 2019

1.0

I felt like a kid again .. It’s a great Circus 🎪

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 .

Review Source

VR

Verified Reviewer  
Java EE and Oracle Middleware Development Consultant  
Defense & Space  
Used the software for: 6-12 months

### "The new way to bank"

October 15, 2018

5.0

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.

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.

Review Source

monaco D.  
Web developer  
Information Technology and Services  
Used the software for: 1-2 years

### "The perfect mobile banking "

April 19, 2019

5.0

It’s my perfect European banking partner for my daily life.

Pros

I am using N26 mobile banking for about 1 year. It’s one of the best mobile banking. It was very easy to setup the account, just online. No need to wait for all the long procedures in physical banks to open an IBAN account. N26 offers business accounts that’s really comes up various additional features. Free to use, that is no monthly or yearly fee. It’s perfect for travelers and nomads.

Cons

The problem I am facing is that, I can only transfer funds to my N26 IBAN. I can’t recharge my N26 account through any ATM machine or going to any bank branch (as N26 is a mobile banking platform, there is no physical bank branches). It offers recharge through some partner shops, that’s only in Germany.

Review Source

Anis A.  
Founder  
Information Technology and Services  
Used the software for: Less than 6 months

### "This bank eased up financial management for my business"

June 21, 2019

5.0

Pros

This bank allows you to quickly register and receive your card. It's extremely fact, functional and modern application that has everything at one place. It allows you to easily manage your funds, additional accounts and all functionalities for business needs are implemented as well.

Cons

I haven't found any disabilities so far. Only thing that I'm not proud of is that people suspect in this bank, as it's new.

Review Source

SS

Sylvain S.  
CEO  
Music  
Used the software for: Less than 6 months

### "Une banque en ligne simple, rapide et efficace !"

October 19, 2025

4.0

Mon expérience avec N26 est globalement excellente. C’est une banque moderne, transparente et parfaitement adaptée à une utilisation mobile.Je la recommande à tous ceux qui cherchent une alternative simple aux banques traditionnelles.

Pros

L’ouverture de compte est ultra rapide, les notifications en temps réel sont très utiles et la carte virtuelle facilite les paiements en ligne. J’apprécie aussi la possibilité de créer des sous-comptes pour mieux gérer mes budgets. L’app est moderne et intuitive.

Cons

Le service client est parfois un peu lent à répondre, surtout lors de fortes demandes. Et certaines fonctionnalités avancées comme les retraits gratuits illimités ou assurances sont réservées aux offres payantes.

Review Source

VR

Verified Reviewer  
Software Engineer  
Computer Software  
Used the software for: Less than 6 months

### "Great features when compared to competition"

November 28, 2018

5.0

Great value as it is free with leading features

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

Review Source

sD

sofie D.  
designer  
  
Used the software for: 1-2 years

### "The first bank I have ever liked"

July 2, 2018

5.0

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.

Review Source

AA

Angelos A.  
Student  
Education Management  
Used the software for: Less than 6 months

### "An excellent Bank"

January 28, 2019

5.0

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

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

Review Source

Stefano S.  
Software Tester  
Biotechnology  
Used the software for: Less than 6 months

### "A possible success, but needs more work to be done"

October 21, 2018

3.0

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.

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.

Review Source

MK

Marita K.  
dog breeder  
Farming  
Used the software for: 6-12 months

### "Best digital bank ever!"

November 19, 2018

5.0

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.

Review Source

Jiahui Y.  
store manager  
Retail  
Used the software for: Less than 6 months

### "Know exactly how much you spend and have"

October 17, 2018

5.0

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.

Review Source

VS

Valeria S.  
freelancer  
Translation and Localization  
Used the software for: 6-12 months

### "useful"

May 23, 2019

5.0

positive experience. Customer service always on point every time I had a question.

Pros

I have been using it for less than a year but it is an amazing online bank. customer service was always very friendly and quick when answering my questions. the interface both on mobile and pc is easy to use it also has a referral feature.

Cons

Maybe if it ould offer bank accounts in other countries like Portugal, Italy, Spain.

Review Source

CP

Claudio P.  
Designer  
Design  
Used the software for: 6-12 months

### "One of the best debit cards out there (with a great free plan)"

July 24, 2019

5.0

Pros

One of the best debit cards out there, with a great free plan that offer great "limits of use". Anyway, the software is pretty good and usable, with a lot of nice functionalities.

Cons

There are some little UX problems, the app is not perfect, but nothing that could not be fixed soon

Review Source

VR

Verified Reviewer  
Senior Product Owner  
Financial Services  
Used the software for: Less than 6 months

### "Pure digital banking - simple and good"

May 18, 2018

5.0

Banking!

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.

Review Source

Similar Products

Featured