N26 Reviews 40,765

Everything is so easy and works first time. The total package includes great benefits.

This is the best bank you can have. It offers excellent online services. The mobile app handles all your needs.

Hello,

I joined N26 in December 2025 through a referral promotion and fulfilled all the required conditions, including spending more than €100 with my N26 card.

The referral was clearly successful, as the referrer already received their reward. However, I have not received the €50 reward promised to invited users.

This delay is now well beyond the timeframe indicated by N26.

I would like to request a manual review of my account and the referral associated with it. If the issue is not resolved, I will proceed with a formal complaint through the appropriate regulatory channels.

Thank you.

In December 2025, I invited four users to join N26 using my referral link during a promotion where both the referrer and the invited users would receive €50 in stocks after the invited user spent €100 with the N26 card.

All four invited users completed the required steps within the promotion period:

Signed up using the referral link

Verified their accounts

Spent more than €100 using the N26 card

The referral was clearly successful, as I received the €50 reward for inviting them. This confirms that the system tracked and validated the referrals.

However, none of the invited users received their promised €50 reward.

N26 responded once on Trustpilot with a generic message stating that rewards are paid within 60 days. We are now several months past that timeframe, and no further response or resolution has been provided.

Additionally, support has provided inconsistent information, referring to requirements (such as opening an investment account) that were not part of the promotion at the time.

This situation suggests a failure to honor the terms of the promotion that was active in December 2025.

I request that N26:

Reviews the four referrals associated with my account

Confirms the correct promotion terms applicable at that time

Credits the €50 reward to all eligible invited users without further delay

If this issue is not resolved, I will proceed with a formal complaint through the appropriate regulatory channels.

I am available to provide all necessary details (emails, referral data) to resolve this matter.

I expect a proper and specific response.

I strongly advise anyone to stay away from N26.

My account has been frozen for over 5 days now, with absolutely no valid explanation. Over €3K of my money is blocked, money that I need for basic daily expenses and essential bills.

Every time I contact support, I receive the same copy-paste response: a so-called “routine check” and a promise that a specialist will get back to me “very soon.” This has been repeated over and over again with ZERO progress.

What is even more unacceptable is that I have proactively offered to provide proof of the origin of my funds (which are completely legitimate work compensation), yet N26 does not even provide a way to submit documents. So they block your money but don’t allow you to resolve the situation.

This is not just poor customer service — this is irresponsible and potentially abusive behavior. Blocking access to someone’s funds for days without transparency, without timeline, and without any real support is simply unacceptable.

I understand compliance checks are necessary, but this is clearly disproportionate and handled in a completely unprofessional way.

Avoid at all costs if you value access to your own money.

Positives: generally works very well. Overall good app (but with very poor filtering).

Negatives: very poor customer service. And for some reason they don't accept any transfers to Ukraine. What the actual..?

All the day to day banking i need on my phone. Traditional banks try to digitize paper workflows which results in an akward, complicated and slow user experience. N26 app is intuitive and lets you do whats needed quickly and safely.

My N26 account has been frozen for more than 72 hours without any explanation.

Support informed me that the “checks may take up to two weeks”, meaning I cannot access my own money during this time.

No information is provided and the support chat was simply closed.

This is unacceptable for a bank. Customers should never lose access to their own funds without clear communication or a timeframe for resolution.

I will be filing a complaint with the financial regulator.
UPDATE:
I dont care if you dont want me as a costumer, I just want MY money!

My experience with N26 has been nothing short of a revelation!
Let me be clear, I usually HATE banks! But N26 is something different, it’s the bank of the future. I really don’t like these old banks all run by old white men where customer service is basically non existent and you’re looked down on if you don’t have a traditional 9-5 job.

I feel like N26 was made for me, the way the app is so user friendly, the forward thinking of their updates and services, the friendly English speaking customer service is all really refreshing for a bank.

I’m self employed and I consider myself a bit of an entrepreneur and I feel N26 is perfect for me and my needs when it comes to my personal and business banking.

I’m very happy with N26 and I’d recommend them to anyone.

Extremely happy with the bank and services it provides, truly next gen banking experience. Also the idea of having a consolidated app for both banking and investing is also very useful.

Very much enjoyed the freedom

I certainly have something to object to. I have encountered problems, I can have something negative to say.

Overall very good bank with great customer service as well.

Simplest, most trustworthy and most comfortable banking I ever experienced.

Customer support is terrible.
Chat is only while logged in, phonecalls only for "premium" users.
The AI chatbot is the only option if you are locked out of your account, and it is FAR from helpful.

Edit :
Thanks for the reply under the review. Now how about you actually react to ANY of my emails that Ive sent in the past few days?
Your LLM-based chatbot had more eagerness to help than your PR department as it seems.

I'm client of this bank over 5 years all good in time no secret fees just simple and cleaver

N26 provides the high level of service I expect from a modern bank. Thank you for the seamless experience!

Worst company ever! I’m continually having to cancel cards and am losing money due to the lack of security. They also have zero customer service! Go elsewhere! WISE is better.
Das schlechteste Unternehmen aller Zeiten! Ich muss ständig Karten sperren lassen und verliere Geld aufgrund mangelnder Sicherheit. Außerdem gibt es dort überhaupt keinen Kundenservice! Gehen Sie woanders hin! Finger weg vom N26! WISE and REVOLUT are much better! 13/11/2026 AS REGARDS N26 RESPONSE BELOW, THEY ARE LYING. THIS IS IS JUST DAMAGE CONTROL. RIHHTBFROM THÉ START THEY’VE REFUSED TO HELP ME. THEY HAVE ZERO CUSTOMER SERVICE AND ZERO SECURITY. Finger weg vom N26!
N26 claims they are concerned but they only say that because they want your business. I have had my account breached 6x. I have to block the card, so I can’t use it and then wait weeks for a new card. Whenever I leave money in my main account n26 allows money to be stolen. I recommend choosing Revolut instead.