N26 Reviews 

In October 2022, N26 opened my account, took my money, then closed my account without warning and blocked my access to it. To date it has not returned all of my money. They informed me that my request to return my money may not result in the return of my money. They claim that they are taking their time to be fair and treat me fairly. The explanation they have given me is: irregular activities. I made 3 transfers into the account totalling less than 500 euros and took no money out. It doesn't get more regular than that.

They do not rate one star but there is no way to show a negative rating.
I held an account with them for three years whilst having property in Spain.
In October, my property was sold, on my behalf, by my lawyer in Spain, who was acting as my Power of Attorney, through a Notary as is prescribed by law there.
I then attempted to transfer the bulk of the money to my account in the UK and the transaction failed.
I was then notified by the bank;
"we have identified irregularities that require us to
terminate your N26 account pursuant to the Termination Clause of the Terms and
Conditions of your N26 account on an extraordinary basis and without prior notice.
This termination is effective immediately. Usage of your N26 account, app, and card is no longer possible.
It is currently not possible to withdraw the remaining balance on your N26
account. Please send us proof of the origin of the funds through appropriate receipts. We will then assess whether a payout of the remaining balance is
possible"
Thi was obviously a fraudelant statement so I then sent them indisputable proof that the funds were legal and above board, with them having been ratified by the European Court at The Hague but they took no notice of this and I then received their email:
"Hey,
We hereby confirm that we have closed your N26 account. You have now lost access to your N26 account and the N26 app. Your N26
Mastercard has also been deactivated. We would advise you to inform your payment partners about another IBAN or credit card for any future account
payments immediately, as all direct debits or other outgoing or incoming transactions from your N26 account will bounce from today on."
There then was an exchange of emails between us where they were demanding totally irrelevant information which seemed obviously from a bot.
I contacted BaFin, the regulatory organization on four occasions and they replied on 1/11/22 and again 18/11/22 saying that they had received my claim and would be in touch shortly . . . . then NOTHING!
I am now taking further steps to retrieve my money from these sticky fingered people who are hiding behind the law.
I am 83 years of age and not in good health having been sole carer for my 96 year old neighbour until he died a few weeks ago.
I hope to live another three years or so which means that the four months that N26 have held my money, hiding behind the law, have deprived me of it so far for 10% of the rest of my life.

With this bank, if you run along with a little going in and out then it will probably be fine but, other than that they will confiscate your money into their coffers.
Just pop along to the following and see where hundreds of people have lost their money to these people.
"N26 Bank Customers Hit With Account Closures and Can't Access Savings" say Business Insider
Facebook groups/618238149760895
Facebook groups/1008091656493627

I have written personal emails to the CEO's which I know they have received but are too ignorant to reply let alone do anything about it.

Been using N26 for 2-3 years without any complaints, until now. My experience with N26 has turned into living nightmare. Because of “failed” video identification my account was blocked, together with all my funds frozen. Been giving them all the documents they have been asking, until now, nothing has changed. as it was also my salary account, I have literally 0 euro, which means I will be kicked out of my aparment by the end of this week and I can do anything about it, as N26 doesnt care and wont respond me. Most horrible customer experience in my life so far. wouldnt recomment this bank to anyone, be careful.

I have had too many things go wrong with this bank to even have time to list.
I have had their customer service directly accuse me of lying a out my situation, I have had clearly fraudulent transactions get rejected because “there was nothing we could do”, I have had request for information in 1k + disputes completely ignored.
I have had messages in emergency situations completely ignored.

For the record I am a premium customer at their top tier, and have been a customer for over 6 years and this absolute neglect led me to remove over 100k from this bank.

They don’t care. They give exactly zero f🤬🤬ks
And as a result I have lost over 2grand.

Just don’t use them.

Terrible bank. Beware!!

Been a customer of this bank for many years and never had any problems.

However, recently the bank began to ask for confirmation of the origin of funds, which I sent on time and regularly.

All of a sudden the bank blocked my account right before Christmas without warning. I was on a business trip in another country and was left without funds. I couldn't even pay my hotel bill. Disgusting.

The bank does not want to return the balance from the account to my other account, demanded additional confirmation. I've posted. No reaction.

Also, 2 incoming payments that I was waiting for on my account disappeared. The bank does NOT respond. Where are they? Were they rejected by the bank? Then send them to senders?

I have business problems, the bank left my children without Christmas presents and me without money!

Since I work in the legal field, I will do my best to hire a good lawyer to punish the bank and this will not happen to anyone else!

You must be very persistent to avoid robots and chat with humans... I Lost so much time.

Account was closed after about 1 year with no explanations and I still have money in the account which I cannot access.
When you finally get through to customer service chat, they are not interested in helping.

Incompetent.
The bank blocked my account and failed to unblock it a week after the creditor lifted the garnishment. The account is still blocked and no resolution timeline is given.

I have been using N26 for several years;
the card and the App were used for some savings, trips, and international trips EURO ZONE.
As soon I started making some transfers to NEXO app, with earnings in EURO of 8%, the account was closed without explanation!
I had to waste time to contact N26 support in order to get my money back!
Nobody called me to check the transactions, no one sent me an email to notify me about the current situation.

Look good when you open your account. But after that you are all by yourself. For m they completely locked my account and card, without any warning or explanation, i was trying to talk with them but nothing.
Also they took the amount i had in it.

Look good when you open your account. But after that you are all by yourself. App often dysfunction.
For me the end would have been when they completely locked my professional account and card, without any warning, explanation or anyway to reactivate it.
Don't go there.

Don't use N26! They've blocked my money without any reason and only notified me through a message in the app! I overlooked the message and they blocked MY MONEY!

I started an account application process, but as at the last step found out that there is no free account anymore, decided not to proceed. Unfortunately there is no way in the application to cancel the process, so my application is just hanging there without any option to cancel it and delete my login. Now N26 sends me some random requests for private information without any possibility for me to contact them. They do not list any contact phone numbers or emails I would be able to use. They want everything done via their app, but there is no way to cancel out of the account application process there and no way to contact them. Extremely poor design and terrible customer support. I want my account application canceled and my login closed. I want them also to delete my personal information form their database.

Dishonest sneaky bank and horror customer service. They won't let you know that your account can go in minus balance (basically a credit account) because they hope to get you indebted. It's the first and only bank that tried to charge me aggressively and persistently for having my account in minus (very small amount, few euros) even though they did not let me know that it's not a debit account.
They banned me permanently with having an account with them because I told bad words to their customer service.
I wanted to close my account, and I had to send them emails for one and half years until they finally closed my account.
They simply don't follow up with you, so if you sent a mail a few months ago and asked to have your account closed, they would reply after many weeks and starting it over asking you questions that you already replied in your previous emails. I was forced to repeat myself countless times just because they don't even follow up and don't listen.
One case should be one conversation, but they just start it over again and again like hey who are you, like they see you for the first time.
They shouldn't be allowed to run a bank.
Not following up with customers and making them repeat themselves for 1.5 years, that's very bad, indifferently that it's done by purpose or by weakness.
Needless to say, this was a typical case of - oh this customer didn't have much money with us, so he doesn't matter.

Do not trust N26. They closed my account on 28th of June without any warning. I provided all documentation they needed, still it took them 3 months and many reminders from my side to send my funds back to me, and only after I threatened them to proceed with a legal action against them.

Made me go through the whole verification process only to tell me I cant participate. WHAT THE FORK.
Im irritated that I went through all this trouble. It would have been helpful if they checked my nationality when I was signing up. Im getting newsletters from them but cant use the product.

I used to transfer some of my money from my Deutsche Bank and shop with it. I changed my email and they asked to reverify my account. I tried their online verification with the new passport I got a few months ago. Suddenly, they just closed my account for no reason. They didn't explain what is wrong. I have 600+ euros in the account. They asked me for a lot of personal information, Bank statement, salary slips, TAX returns, and whatnot. I submitted all of them. It's going to be a month and yet not a reply from them. Such a shame n26.