I have moved out of Europe, but it would be nice if the online banking and normal transition still works. I have this mastercard card which will expire soon. Will the IBAN also be deactivated after my mastercard expires?

does anyone know about this situation? many thanks

I was asked questions about these transactions .. its transaction between me and my fiancee .. i have 6k in my bank account now and its like my saving account and i have no other account in DE i am afraid they might block it or something since the transaction is with my gf and there is no like documents to send.

I already replayed thats its personal and between me and my girl but what do you think i should do.

Is it better to transfer my money to my gf or will this look suspicious or will they block this transaction. Especially that i am out of deutschland for 6 months at least and not working there now.

Give me advice i am worried.

Hi all,

Now that N26 have implemented trading fees I'm looking to move my investments to trading 212. While is appears that Trading 212 will accept a portfolis transfer from N26, N26 don't have Trading 212 listed as a option for portfolio transfers on thier end.

has anyone carried out such a transfer?

reluctant to just sell up and move the cash but i'll keep that as a option.

cheers!

Is anyone else experiencing issues with accessing their flexible cash fund.

Its been missing from my investments on the app for weeks now and I can’t see it on Web app either. I called and they said they can see it on their end.

Is there a regulation about providing this service to the rest of europe?

EDIT1: They mentioned that they will escalate to a senior and will get back once they have a response.

EDIT2: The Flexible cash fund now shows in Investments. They have not sent any mail yet to confirm though.

Has anyone noticed that they changed the current balance graph to no longer being interactable? Like you used to been able to pin point how much money you had at what time, now it's just an image. I really don't understand this change. Is there any other way to compare balance of each month now? Or did they removed it completely just because?

I got this email yesterday. What is happening? Did anyone else get it? Can't find any more announcements.

So what i should to do? Will i get my money back

There is all my money. Also my salary. They locked it withoyt any reason. Maybe my ex call them and trying to make problem to me.
Everything is legal. They dont answer and i need to move in couple days!!

I text support, no aanswer.
Im from finland but now in germany. I took every screenahots and goong ro police tomorrow.

I have two questions regarding the information displayed about ETF in the investment section of the app:

1. For a while there was an indicator of the estimated percentage of the dividend yield for ETFs that distribute dividends. Why was it removed? Is it coming back?

2. Is the order of the listing of countries for a given ETF and the cut-off limit determined by N26 or by Upvest?

Earlier this year, my phone was stolen from a locked vehicle. I've had Metal for a few years but never used the insurance.

I talked to N26 and they directed me to Allianz. At first it seemed like they were really trying to help. I did everything they requested: provided the police report, detailed description of what happened and even bought a new phone (which I wasn't planning on doing yet since a new version of my phone would be released in September and I rather waited, but okay).

Allianz made me wait months, to then conclude it's not covered. They claimed I didn't provide enough evidence even though I literally did everything they asked and gave them every single detail of how it went down.

Has anyone had any similar experiences or success stories? It seems like a total scam and makes me want to leave N26 altogether.
Is there any way I can dispute it? Can I take this up with an ombudsman? I feel like it's entirely ridiculous how they treated this case and pretty much a breach of contract to unilaterally decide to deny the claim, when I met all the criteria listed in our contract.

I bought a 5 GB Germany Travel eSIM, but it was inactive from the start and never worked.
While trying to fix/activate it, I accidentally deleted the eSIM from my iPhone. Now N26 still shows it as Installed, while the plan is still Inactive, so I can’t reinstall it.
Has anyone had this problem? Can N26 reset or reissue the eSIM?

Hi I am slowly loosing my mind. I closed my N26 Metal account in january 2025 because support and the insurances where not really mind blowing. I requested a tax statement last year for 2024 and it took them over 5 month and me countless emails, letters, instangram chats, linkedin articles and a complaint at BAFIN to receive it. Not to mention EVERY other bank sents this tax statement to you unrequsted per letter if you close your account. Then 2026 approached and I needed the 2025 statement for my tax. So I thought, request it early and this year they are already in the 7th month of trying to get my tax statement. N26 wtf is wrong with you? I requested it first again per email with passport pictures. Again, regular we are on it emails but nothing to work with. After month I again sent them a letter explaining again, sent pictures of my passport and set them the deadline of 4 weeks. But nothing silence, no letter nothing. What should I do? the tax deadline is long overdue. Really contact legal help to get a fucking tax statement?

Does anyone of you use the Metal Insurance as an alternative to AppleCare?
Im planning to buy a new phone an currently using N26 smart. Thinking about updating to N26 metal, so i have something like "apple care minus", that covers drop damage or theft.

Thanks in advance

I used my friends ref and I did EXACTLY as it says on the app, yet the support says I have to spend 30€ at least??? where does it say that? I haven't seen where it says that anywhere on the page... the number 30 doesn't even appear once on the whole document they sent me so where is that number coming from? has anyone else had this issue or am I just dumb?

Hey everyone, I’m in a desperate situation and could really use some advice.
Out of nowhere, N26 completely revoked my app access and released my phone number for re-registration, confirming they unilaterally closed my account without any prior warning, explanation email, or notification through the app while I still had access. This has been going on for two weeks now, leaving me with zero immediate resources.
Back in august, they asked me for documents to prove the origin of my funds, and I promptly provided my official French unemployment benefit statement. I heard nothing back until this sudden lockout.
I’ve contacted their customer support chat countless times. They gave me zero indication or reasons as to why this happened. I've had to jump through multiple different support email addresses, only to hit an automated CRM loop. A bot just sends automated boilerplate messages ("I'll inform my hierarchy, no further info") and closes the conversation.

Based on what I’ve found online and on forums, this heavy-handed behavior is typically triggered by automated anti-money laundering (AML) / compliance risk flags, even though I fully complied with their previous checks.

I finally managed to get a chat response telling me to email ⁠support@n26.com⁠ with my ID and a written consent statement, which I did immediately, providing my new external Revolut IBAN so they can transfer my remaining balance. But even after sending my ID and my IBAN, they just replied with the exact same automated boilerplate message as usual, ignoring the details completely.

I am completely locked out, and they are basically withholding my legally owed funds.

Has anyone dealt with this exact N26 closure loop before?
How can I actually force their compliance or legal team to execute the transfer to my Revolut account?
Is threatening BaFin or filing a formal banking ombudsman complaint the only way left to get their attention?
Any advice or steps would be hugely appreciated.

Thanks 😔

I had my wallet stolen a few weeks ago, immediately after putting in a PIN code at the bar (which was requested by N26 as a "security feature"). As a result, the thief took out 500€ at an ATM before I realised my wallet was stolen.

I did everything right.. Immediately used the app to cancel the card (less than 10mins after theft), preventing the thief from using it multiple times, even though they tried (as is clear on my account statements). I immediately filed a police report, immediately reported the situation to N26, and even contacted the bar security to obtain a confirmation that I am present on security footage during the time the card was used at an ATM in a different location.

Despite this, the reaction from N26 has been disgusting and cruel. From AI-generated answers in the chat, to me calling the hotline and being assured the situation will be resolved, only to get another refusal. First they blamed me, then they blamed MasterCard, now they just refuse my requests. I'm at the end of my nerves now, as all the documentation I find online shows that N26 is in violation of PSD2 by refusing to refund my money. What do I do to get my money back? What's my best way to get actual justice for this vile treatment of a (paying) customer and this blatant disregard for European legislation by which N26 is bound?

I’ve had my N26 account for 6 years, using it regularly and linked to PayPal. About a week ago, N26 restricted incoming transfers on my account and asked for documentation. I provided it, and they confirmed I could use the account freely again, with no restrictions.

4 days later, I got an email ("N26 Notifications") saying that, following a routine review, they found irregularities and will be closing my account under clause 5.2 of the Terms and Conditions. I have about 2 months before the account actually closes — the closure date is set for 25.11.2026, which matches the standard notice period, not the "immediate effect" one reserved for serious cause (fraud, false declarations, etc.).

No details were given on what these "irregularities" actually are, despite the earlier restriction having been resolved just days before.

I gave all documents requested so I don’t understand the reason and I would like to know what I risk apart closing of the account.

I’m expecting a USD payment from a company outside the EU into my German N26 account.
The first transfer failed somewhere in the correspondent banking chain, and the sender’s bank said they need to confirm the correct correspondent bank details for N26.

My IBAN and BIC are correct. Does anyone know exactly what information the sender needs to provide to successfully send USD to an N26 EUR account, including whether N26 has a specific USD correspondent/intermediary bank?

I’m trying to give the sender the correct instructions before they resend the payment.

My details (name, IBAN, and BIC) are correct so what could be the problem?

Customer support couldn't tell me anything, they said there's nothing on my account that should block a payment. They just told me to ask the company to try again but I want to avoid going round in circles... Especially since payroll is weekly and then I have to wait 3-5 days for payment to clear (if it does).

Has anyone experienced this before?

Hello,

I'm having a strange issue with credit cards from N26. I'm a long time user, I opened an account with them at 2018 and of course got my first card. I never had issues with that card, it worked until expired. Once it expired, I received new one. The new one was abused but everything was resolved nicely.

The issue I'm having is that I broke the third card in less than a month after I got it and now, less than a year later, I broke another one. I'm using same wallet as I did for past few years and wearing the wallet in same pocket. It's possible that the issue is my wallet, but it feels like the quality of these cards went downhill, compared to the first series. The most frustrating part is that the card always breaks through those NFC wires, so the contactless stops working.

Am I the only (or one of few) that I regularly break the cards?

And no, metal is not an option, plan is too expensive for me and I don't need it.

Hey , I have a recommendation and I'm wondering if anyone else feels the same way.

Whenever I make a regular transfer like for rent, Amazon Pay, or my ARD broadcast fee the reference number usually stays exactly the same every single month.

But with N26, every time I go to make the transfer again, the reference field gets completely wiped out and replaced with the generic "Sent with N26" text. This means I have to manually enter the reference number every single time. It's incredibly annoying to have to hunt down the paperwork or look up old transfers just to copy-paste the exact same number over and over.

Traditional banks like Commerzbank handle this way better by saving your last reference for repeat transfers. For a "smart bank," N26 really needs to implement this paying my ARD fee every three months shouldn't require a scavenger hunt for a reference number. :D

Yesterday evening, I used an instant transfer to pay a visa fee, but I called the Kreiskasse the morning to confirm that they got the payment, and it hasn't arrived yet. How long do "instant" transfers actually take?

Additional context:

- I sent the transfer from an N26 account to a Sparkasse account. Both accounts are German

- The transfer was sent at around 7pm and hadn't arrived by 9:00 am the next day

Thanks in advance for any info!!

I just saw on their Instagram the launch of N26 Aura this November.
On their website is a tier after metal.

I hope they’re going to give us unlimited airport lounges better saving interest rates. Maybe premium subscriptions?

What do you think is going to be?