Is N26 a legitimate company?
N26 is a legitimate financial service provider with a high rating based on numerous customer reviews. Many users report positive experiences, highlighting the app's functionality and customer support.

N26 is a digital banking platform that aims to simplify the banking experience for its users by providing a fully mobile banking solution. The company offers a range of financial services, including the ability to open a bank account quickly, manage personal finances, and invest in stocks and cryptocurrencies. N26 is designed for individuals seeking a user-friendly banking experience without hidden fees, appealing particularly to tech-savvy consumers and millennials who prefer managing their finances through a mobile app. Customers can benefit from features such as free virtual cards, monthly ATM withdrawals, and investment options, including free trading of stocks and ETFs. N26 emphasizes ease of access and efficient financial management, making it a suitable choice for those looking to handle their banking, saving, and investing from a single platform.
Reviewers consistently report positive experiences with N26. Customers often highlight sehr, banque, zufrieden, bank.
A minority mention drawbacks around bank, account, vous, mein. Overall sentiment is strongly positive with an average rating of 3.9 stars across 60 reviews.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.9 | 60 | 100% | — | ● Medium |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Easy to work, app friendly and fast money transfer”
“My N26 account has been blocked without explanation since September 10th, and I’ve received no meaningful updates des...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Website & app | Service | Trend | Reviews |
|---|---|---|---|---|---|---|
| 3.9 out of 5 (good) | 100 out of 100 | 3.7 out of 5 (good) | 2.3 out of 5 (poor) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.0 out of 5 (fair) | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: N26 is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 2.3).
60 reviews of N26. Filter by what matters to you.
Over a year ago
Sono cliente N26 ormai da quasi 10 anni. La piattaforma è sempre stata all’avanguardia rispetto ad altre banca Sella oppure Deutsche bank ed MPS dove io ho altri conti. I bonifici sono sempre stati gr... See more
Over a year ago
Bin sehr zufrieden mit N26 gerade weil ich dringend ihre Hilfe benötigte u sie mir sehr geholfen haben. Empfehle sie sehr gerne weiter
Quick answers to the questions people ask most.
N26 is a legitimate financial service provider with a high rating based on numerous customer reviews. Many users report positive experiences, highlighting the app's functionality and customer support.
N26 is not a scam; however, some users have reported issues like account freezes. Verified reviews suggest that while there are occasional complaints, the majority of customer feedback is positive.
N26 provides a range of banking services including online accounts, international money transfers, and budgeting tools. Customers appreciate the app's ease of use and fast transactions.
N26 primarily operates through its mobile app, allowing users to manage their accounts and make payments digitally. Common methods include bank transfers and card payments.
N26 offers customer support through its app and website, with options for live chat and email. Many users have praised the responsiveness and helpfulness of the support team.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Sono cliente N26 ormai da quasi 10 anni. La piattaforma è sempre stata all’avanguardia rispetto ad altre banca Sella oppure Deutsche bank ed MPS dove io ho altri conti. I bonifici sono sempre stati gratis ed anche quelli istantanei. Ho trovato sempre la massima cortesia e professionalità con il servizio clienti. Se dessero anche la possibilità di richiedere mutui o surroghe di mutui o prestiti per ristrutturazione casa o case green sarebbe il top in assoluto. La consiglio sulla base delle mie esperienze
Bin sehr zufrieden mit N26 gerade weil ich dringend ihre Hilfe benötigte u sie mir sehr geholfen haben. Empfehle sie sehr gerne weiter
Bisher kann ich nicht klagen!
Mein Konto kann aufgrund meiner rechtsgültigen Kündigung über 1. die Kontonummer 2. meine Adresse 3. meine für die App verifizierte Emailadresse 4. meinen Namen und vermutlich noch etliche andere Merkmale eindeutig gefunden werden. Zumindest, wenn es sich um einen korrekten, seriösen Dienst handelt, also eine Firma, die weiß was Sie tut. Ich bin gespannt.
Me gusta, funciona, es práctica
N26 besteht aus meiner langjährigen Erfahrung mit dieser Bank nur noch aus einer KI und dem obligatorischen, als Blitzableiter fungierenden Call Center. Jedweder Versuch, mit irgendeinem echten Bankangestellten und/oder Entscheidungsbefugten zu sprechen, wird abgewürgt und anschließend mit einer nichtssagenden, Floskel-lastigen "Antwort" schriftlich begegnet. Und selbst die lässt N26 offensichtlich nicht einmal von einem Menschen schreiben.
Seit über einer Woche ist mein Konto ohne nachvollziehbare Begründung gesperrt und mein Guthaben eingefroren. Ich habe mehrfach Kontakt aufgenommen und erhalte nur Standardfloskeln, aber keine konkrete Erklärung, welche angeblichen „AGB-Verstöße“ vorliegen sollen. Die BaFin wurde bereits informiert und mein Anwalt ist eingeschaltet. Sollte weiterhin keine sofortige Auszahlung meines Guthabens erfolgen, wird eine einstweilige Verfügung beim Gericht beantragt. Ihr Verweis auf Facebook- oder Instagram-DMs ist reine Hinhaltetaktik – ich erwarte eine klare, schriftliche und rechtlich verbindliche Klärung.
Esperienza positiva. Ho un conto presso la N26 da anni, lo utilizzo per spese e acquisti on line e all'estero e non ho mai avuto problemi...
Easy to work, app friendly and fast money transfer.
Alles sehr gut ausser Kreditanfrage,deshalb nur 4 Sterne.keine Begründung bei Ablehnung?
Un banco online, sencillo en la gestion diaria, perfecto para inversion y para amantes de los viajes.
Today marks the fifth week that they have been holding my money. Because I couldn’t pay my bills, I’ve received additional interest charges and penalties on top of my payments! Who is going to compensate me for this, N26? Every time I write you an email, I only get the same repeated answers. I honestly wouldn’t recommend anyone to open an account here! You might as well throw your money on the street instead of depositing it here.
My N26 account has been blocked without explanation since September 10th, and I’ve received no meaningful updates despite contacting customer support multiple times. This account is my main source for receiving salary and paying essential bills like rent and electricity. N26's own app states that such reviews are resolved within 72 hours, but it’s now been far longer — with zero transparency or ability to access my funds. I’ve had to escalate this to the financial authorities (BaFin) and am preparing legal action. I’ve also documented everything: support chats, call logs, screenshots. I expected better from a digital bank that promotes convenience and customer-first values. This situation is not just inconvenient — it’s a serious breach of trust and shows complete disregard for customers' financial wellbeing. If you don' t believe me search forum, go to Bafin and look at the fine that N26 has had to pay due to these practices I sincerely hope no one else has to go through this.
It works and I never had any problems with the app
Super depuis que je suis chez N26 plus aucun soucis je vois tout ce qui se passe sur mon compte au fur et à mesure tout est clair pas de frais de si de la je suis ravie et je recommande a 100%pour ceux qui veulent pas se prendre la tete
J’aime bien
Ein sehr freundlicher und hilfsbereiter Support. Bin überaus zufrieden mit N26.
Super app sehr zufirden
N26 is a digital banking platform that aims to simplify the banking experience for its users by providing a fully mobile banking solution. The company offers a range of financial services, including the ability to open a bank account quickly, manage personal finances, and invest in stocks and cryptocurrencies. N26 is designed for individuals seeking a user-friendly banking experience without hidden fees, appealing particularly to tech-savvy consumers and millennials who prefer managing their finances through a mobile app. Customers can benefit from features such as free virtual cards, monthly ATM withdrawals, and investment options, including free trading of stocks and ETFs. N26 emphasizes ease of access and efficient financial management, making it a suitable choice for those looking to handle their banking, saving, and investing from a single platform.
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