N26 Reviews 40,751

Forget about referral bonus:( We met the conditions, they did not pay the reward.
Very frustrating and sad experience.
They keep referring you to the URL with the policy that describe the conditions that you already met, they even don't bother to take a look at your problem.
AVIOD N26, avoid later problems.

Great, easy to use banking experience.

Overall ux of the app is very annoying. I have a feeling that in 2020 it worked better. Hard time to find information, hard time to keep an eye on spending and I miss many indicators. Too many ads of features instead of quick access to my banking information.
Expensive membership, but savings %went down drastically and I am thinking about to move to competitors (waiting for moment, when I will convince my partner). Not many things that would.make me stay.

Very reliable service and have recommended N26 to many of my friends and family

You are the best Internet bank around

All great, but it's a shame for a neo bank not to have NFC (Slovenia)...

N26 is such a good and trust worthy friendly service and faster In 1 year of using I am very happy 😃 to use it

This is the 4th day you have blocked access to my funds with no explanation or timeline given. I have contacted the regulator with a formal complaint. You give me no human to call or speak to and no meaningful update. You also do not respond to my written complaint.

In general N26 is ok, but the overview getting more and more bad. A lot of advisement and other function which I do not need make handling bad... no need to not use instant transfer etc.

It is a safe Bank , easy to use.

Excelente bank and experience, I don't have problems with the bank and it works every time I need it.

What was an amazing app, is now a AD platform of promotions of their own features. Banking is so difficult because you need to navigate all the distraction and interrupting ads

Edit: To your reply. I know I can disable notifications (which I did because they were overwhelming). I did refer to the navigation within the app, which can not be changed. These are the increasingly distractions of extra buttons, popups, cards, to advertise your own products

100% the best Online Bank Regards David Murley and Thanks 👍...

So far I'm satisfied with this bank account, but I would prefer if they would include an overdraft limit in case incoming and outgoing payments overlap. They haven't implemented that yet.

Great fusslefree online banking for Daily use as well as travel.

Transactions goes rapid fast and without any problems.

Have used for many years.

I have been using this bank for 7 years, and I have had an overdraft facility (Dispo credit) from the beginning. Everything was fine, despite the lack of savings offers and relatively expensive plans compared to the benefits.

Suddenly, in March this year, I was informed that my overdraft facility had been disabled due to changes in my credit profile. I have been using this account as my main account, and I have a positive SCHUFA score with no outstanding debts or payment issues.

I received a response stating that many factors can influence the removal of such options from the offer. I would like to emphasize that the option has completely disappeared from the app, with no possibility to re-enable or adjust it.
This is simply too much. I am now gradually moving my income elsewhere. This kind of treatment of a long-term customer is very disappointing.

I recently participated in a Christmas campaign run by N26, where they encouraged customers to spend more money during the holiday period with the promise that 100 winners would be selected at the end.

However, after the campaign finished, there was no clear or transparent announcement of the winners. This lack of communication made the whole campaign feel questionable. Out of curiosity, I checked discussions on Reddit, where other users were also asking if anyone had actually won — and no one could confirm it.

This experience left me feeling disappointed and suspicious about the legitimacy of the campaign. Promotions like this should be handled with full transparency to maintain customer trust.

Because of this, I understand why many users are considering switching to alternatives like Revolut, where communication and trust seem to be taken more seriously.

Overall, this experience negatively affected my perception of N26.

Everything is fine with my Metal account but it would be fine if it were possible to have a combined account with my wife as many other banks are offering.