N26

The Mobile Bank

1.0•12 reviews•

46 followers

The Mobile Bank

1.0•12 reviews•

46 followers

•

•

N26 is Europe’s first completely mobile bank, trusted by more than 1.000.000 customers. N26 gives you complete control of your financial life on your phone. Download the N26 app and open an account in less than 8 minutes. Get a free Mastercard, activate Google Pay or Apple Pay, and enjoy personal banking features and fintech products

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N26 Launches

N26 US Bank AccountN26 the European challenger bank opens in the U.S.

Launched on July 29th, 2019

N26 for webA bank account for your phone, now on the web

Launched on July 10th, 2018

N26The Mobile Bank

Launched on July 21st, 2016

1.0

Based on 12 reviews

Review N26?

Reviewers are overwhelmingly negative about N26, describing a pattern of frozen or closed accounts, missing or delayed funds, disputed investment and card transactions, and long waits with little explanation. The most repeated complaint is support: users say chat replies are vague, issues are endlessly “escalated,” and follow-up rarely comes. Several also report trouble recovering access after phone loss or app problems, and one says basic banking worked until fraud hit. Overall, reviewers see reliability, transparency, and account security as the main failures.

Summarized with AI

Cons

poor customer service (10)

delayed responses (7)

lack of transparency (6)

frozen funds (4)

account freezes (2)

fraud prevention issues (2)

unexplained account closures (2)

Pros

Cons

Reviews

Most Informative

•1 review

I never thought a licensed European bank could behave like this. N26 blocked my account on 10 May 2025 without warning, without explanation, and with no access to my own money. All I’ve received since then are vague, copy-paste replies about “technical reviews.” No fraud. No investigation. No response. Just silence while they hold my funds hostage. I’ve: • Sent legal notices demanding a reason for the freeze • Requested all my personal data under GDPR • Filed formal complaints with BaFin and the European Consumer Centre (ECC) Weeks later—still nothing. No answers. No timeline. No accountability. This is not just bad service—this is financial abuse. N26 is acting like an unregulated, offshore scam, not a legitimate EU bank. If I hadn’t reported them to authorities, I honestly believe they’d just keep my money forever. Avoid this bank at all costs. You could wake up tomorrow locked out of your own account—just like I did.

What needs improvement

poor customer service (10)lack of transparency (6)frozen funds (4)delayed responses (7)account freezes (2)

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4 views1yr ago

•1 review

Ich habe mit N26 und ihrem Partner Upvest eine katastrophale Erfahrung gemacht,die mich über 7.400 € gekostet hat.Trotz mehrfacher Versuche,eine Klärung zu erreichen,verweigern beide Unternehmen jegliche Erklärung oder Rückerstattung. Mein Problem begann mit einer Fehlbuchung und massiven Preisabweichungen beim Kauf von Aktien. Ich investierte 7.400 € in Mainz Biomed Aktien,doch nur zwei Tage später zeigte mein Portfolio einen Wert von gerade einmal 383,84 €. Über 7.000 € fehlten ohne jede Erklärung! Als wäre das nicht genug,wurde ich im Dezember über eine Aktienzusammenlegung informiert,die ebenfalls fehlerhaft durchgeführt wurde.Meine Aktien wurden falsch umgerechnet,und mein Portfolio schrumpfte auf 6,59 € zusammen.N26 und Upvest haben es bis heute nicht für nötig gehalten,das aufzuklären. N26 blockierte den Handel meiner Aktien und behauptete,sie seien nicht mehr handelbar obwohl sie bei anderen Brokern wie Trade Republic oder eToro problemlos verkauft werden konnten.Das ist nicht nur unseriös,sondern meiner Meinung nach potenziell betrügerisch! Seit über vier Monaten warte ich auf eine Antwort auf meine offizielle Beschwerde.Weder N26 noch Upvest zeigen Interesse daran,ihr eigenes Chaos zu bereinigen oder ihren Kunden zu helfen.Ich habe mich bereits an die BaFin gewandt,um mein Geld zurückzubekommen.

What needs improvement

poor customer service (10)lack of transparency (6)delayed responses (7)

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3 views1yr ago

•1 review

Voy a cerrar mi cuenta. Ya he sacado mi nómina de ahí. Me subscribí a cuenta metal y te dan de alta en un segundo. Solicité hace una semana la cancelación y todavía no me dan de baja. Servicio pésimo. He notado cambio desde que me la abrí ahora. Prefiero otros bancos ya no es lo que era. Encima me cobran la subscripcion a metal un nuevo mes habiendo solicitado la baja. Todos los operadores me contestan que han escalado mi asunto y mientras tanto sigo esperando. A seguir escalando y en cuanto se solucione cierro. Que manera de perder clientes por la ineficacia

What needs improvement

poor customer service (10)subscription issues (1)difficult account closure (1)delayed responses (7)

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2 views1yr ago

•1 review

What needs improvement

poor customer service (10)lack of transparency (6)frozen funds (4)delayed responses (7)account freezes (2)

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4 views1yr ago

•1 review

What needs improvement

poor customer service (10)lack of transparency (6)delayed responses (7)

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3 views1yr ago

•1 review

What needs improvement

poor customer service (10)subscription issues (1)difficult account closure (1)delayed responses (7)

Report

2 views1yr ago