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.
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.
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.
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.
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.
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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.
Chronic foot-draggers who give me superficial replies without actual results. I've been user of N26 for two years, and each time, when validation should happen, they say something: we working hard with no actual outcome. I'm seriously consider abandoning N26 after whole week of waiting. Even after I've written email asking for clear timeline after waiting six days, reply from N26 was? Please wait, we can't give you a timeline.
Ho il conto bloccato da un mese perchè nessuno controlla i documenti che ho fornito 3-4 volte nel arco di 2 mesi(da quando mi hanno detto che sarebbero scaduti) Contattando l'assistenza ho ricevuto solo promesse che il problema verrà risolto nel minor tempo possibile. Per ora il conto e ancora bloccato senza riuscire ad utilizzare la liquidità sopra e senza neanche poterla prelevare o spostare. In più a fine mese dicono tramite mail che le restrizioni del conto aumenteranno se non fornisco i documenti, ma dal app e dal supporto mi continuano a dire che i documenti sono in fase di controllo.
It is fine until you have any issue. By a technical issue on their side, I am locked out of my account and funds for 3 days already. At least I am metal and have access to phone support, right? lol no. You can only call the hotline via the app, so if you are locked out, you have to contact via their online chat, wait for 10 minutes for each answer and they will be all useless generic answer, so good luck with that. Truth is, you want a bank account, go for an actual bank. This is just a "toy" that you cannot trust. I am disgusted by the service they offer and would recommend any of you reading to stay far away from this garbage service.
Just started using N26 bank system and my account got frozen on the very first transaction purchasing goods via Alibaba.com and left the supplier unpaid. N26 states it’s up to 72 hours security check procedure but it’s been way over 72 hours and none of the support can give me a time frame they just end and close the chat.
The worst ever customer support and no reply pr help after more than 2 weeks and numerous reminders. Seems like a fraud and not possible to access the account.
Am 09.09.2024 wurde mein Bankkonto innerhalb eines Moments gesperrt. Tagelang wurde mir keine Auskunft gegeben warum dies geschah. Nach einer Woche erhielt ich eine Mail, dass mein Konto, aufgrund eines Verstoßes gegen die AGBs, fristlos gekündigt wird. Zu diesem Zeitpunkt befanden sich noch etwas mehr als 7000€ auf dem Konto. Im Januar stellte sich dann heraus, dass gegen mich wegen Geldwäsche ermittelt wird. Dieses Verfahren wurde im April 2025 eingestellt, da alle Transaktionen sauber waren. Mein Anwalt versucht seit geraumer Zeit das Geld wieder freigeben zu lassen. Keiner fühlt sich bei der N26 Bank verantwortlich. Seit mehr als einem Jahr ist der Betrag nun irgendwo. Beschwerde bei der BaFin wurde eingereicht und ebenfalls Strafanzeige bei der Staatsanwaltschaft erstattet. Der letzte Weg ist nun über das Gericht, um das verbleibende Guthaben einzuklagen.
⚠️ ATTENTION GROSSE ARNAQUE N26 BANK SE⚠️ J'AI BIEN DIT GROSSE ARNAQUE, CES ESCROC DE N26 BANK SE, HÉBERGÉ EN ALLEMAGNE, VOUS FAIT CROIRE AVOIR UN COMPTE EN BANQUE, MAIS AU BOUT D'UN MOMENT, ILS COUS BLOQUENT L'ACCÈS À VOTRE COMPTE, SOUS PRÉTEXTE DE BUG TECHNIQUES DE CONNEXION, ILS VOUS DEMANDERONT ENSUITE LA VÉRIFICATION DE VOTRE IDENTITÉ EN SELFIE, AUQUELLE VOUS DEVREZ EN LIVE EN PHOTO VIDÉO D'IDENTITÉ DE VOUS RASEZ VOTRE BARBE, DE VOUS GRATTER VOTRE VISAGE, DE PINCER VOS BOUTONS SI VOUS EN AVEZ AU VISAGE, ET DE FAIRE PIPI DANS LES TOILETTES POUR VÉRIFIER VOTRE IDENTITÉ, UNE FOIS VALIDÉ, ILS VOUS ENVOIE UN EMAIL INDIQUANT LE REFUS DÉFINIF DE L'ACCÈS A VOTRE COMPTE, POURVU QUE VOUS AVIEZ TOUT VOTRE ARGENT CHEZ N26, ILS REFUSENT DE VOUS LE REDONNEZ, EN PLUS PAS MAL DE PIRATES INFORMATIQUES CIRCULENT SUR N26 POUR DÉROBER VOS SOUS, ILS M'ONT EN EFFET BLOQUÉ MON COMPTE AVEC LES BUGS DE CONNEXIONS DE COMPTE, J'AVAIS TOUTES MES ÉCONOMIES MES 8775€ DESSUS, ET JE REÇOIS DES NOTIFICATIONS CE MATIN PLUSIEUR PAIEMENTS D'ENVIRON 1350€ ONT ÉTÉ DÉBITÉS SUR MON COMPTE BLOQUÉ N26 (SACHANT QUE JE N'AI PLUS ACCÈS AU SYSTÈME DE VERROUILLAGE DE MA CARTE BANCAIRE, NI POUVOIR FAIRE OPPOSITION, NI METTRE À 0,00€ MES PLAFONDS DE PAIEMENT EN LIGNE), ILS ONT INDIQUÉ SOLDE NÉGATIF DEBITEUR -48691,77€ EN NÉGATIF ALORS QUE J'AVAIS 8775€ DE SOLDE NORMALEMENT, ILS M'ENVOIENT UN EMAIL OUVRANT UNE PROCÉDURE JUDICIAIRE A MON ENCONTRE AVEC UNE PEINE DE PRISON DE 8 ANS ET 775000€ D'AMENDE ALORS QUE JE N'AI PAS TOUCHÉ À MA CARTE BANCAIRE. J'AI PRÉVENUE UN AVOCAT, ILS FONT RIEN FUYEZ ET SIGNALEZ CETTE APPLICATION N26 AUX AUTORITÉS DE POLICE FRANÇAISE 😡🖕🖕😡😡🖕🖕🖕😡🗡️⚔️⚔️🗡️🗡️⚔️💣⚔️💣🗡️💣⚔️🗝️🗡️🔪🔪🔪🔪🥢🥢😡🖕🖕😡🖕🖕😡🖕🥢😡🗝️😡🗝️🖕🗡️🖕🗡️😡🖕🔪🖕🏑🪡🪒🔧🔨🔧🔨TU VA VOIR N26🪚🪚🪚🪚✒️🪚🪚⛏️⛏️⛏️🔨⛏️⛏️⛏️🪚🪚⚠️🖕😡🏑😡🖕😡🖕🖕🪚🏑🪚⚠️⛏️🪡🔨🪒😡😡🏑🏑
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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