r/n26bank

Hey everyone, I need to share my experience because N26's customer service has become a absolute black hole, and I’m currently left completely broke and ignored. I wish I didn't trust them with my money...

Back in March, my card data was leaked via a compromised online shop (the shop owner later confirmed the data breach to me). A few days later, I received a highly professional call from scammers using Call-ID Spoofing (the N26 logo appeared on my screen). They knew my full name, date of birth, and current address, and it seemed very professional. I even googled the agents name while on the phone and yes, he existed...

They claimed there were fraudulent transactions on my account and read them to me and asked if i had lost the card or borrowed it or anything. I still had the card and i would never hand it to anyone...They said they reccomend to freeze my card and issue a new one. They said they could do it for me now so it would be free of charge. He repeated my (correct address) and asked if they should order the new card to this one, then asked me to "confirm my identity" for the card block, they triggered an In-App Push Notification. The notification just read something vague like "Yes, this is me" or a basic identity confirmation. It did NOT state that a new virtual card was being added to a foreign Apple Wallet....

As soon as I pressed it, the scammers linked my card to their Apple Pay device in London and a few minutes later drained over 1000 € at an Apple Store in London. I was completely manipulated under extreme stress. And no where did it tell me my card was active on a new device or anything alike. I absolutely didnt know. Also, i am in the EU... i do not understand why such an unusual amount for this card outside the EU, minutes after the card was activated isnt automatically flagged.

The worst part: N26's "Support"

• I went straight to the police and reported it immediately.
• N26 rejected the refund, claiming "Apple Pay transactions are authorized by the user".
• Since then, they have completely ghosted me.
• I started getting a premium membership to be able to use the hotline which has been OFFLINE every time i tried. What a waste.
• I tried to bring up the legal aspects, the chat agents literally kicked me out of the chat and closed the ticket.
• I have sent two formal complaints email. No human response, only automated system templates. It's been over 2 months and I heard nothing back.

I am devastated. This was almost all of my money. Has anyone successfully solved such problems?

Note: I already moved to DKB now, where adding a card to Apple Pay actually triggers an immediate security email showing exactly which device was added. N26’s security and customer treatment is a joke.

Yesterday N26 dropped an iOS update announcing you can now switch between 8 new virtual card designs without changing your card details. Sounds great on paper.

Problem is: I've updated, opened the app, checked every virtual card and every possible menu... and there's absolutely nothing there. No new option, no button, no hint of the feature.

Is anyone else in the same boat? Or has anyone actually got it working and knows where to find it? Might be a gradual rollout and I just haven't been included yet.

I made a few bank transfers today and I should actually have received some as well, but nothing’s coming through – do you know why?

Noch immer keine Reaktion 28 Stunden …

Hallo bis gestern ging alles normal dann neues Handy gekauft, am neuen Handy einloggen versucht und plötzlich App auch an alten Handy und Karte gesperrt. Seit gestern 16h. Heute die App wieder geöffnet wir prüfen ihre Unterlagen diese sollte 10 Minuten dauern ….. jedoch seit 24 Stunden mittlerweile nichts. Was ist zu tun ? Die haben ja nicht mal eine Hotline und Chat geht nur über die App in die man ja nicht reinkommt

Hey everyone,
I had a N26 Metal membership and actually really liked it at first; including the Metal Card, better interest rate and most of all the insurance perks comes along with it hoping that if anything will happen then I will be covered.

But recently I made a claim for my trip cancellation which was planned on Saturday but I couldn't make it happen because i got sick. I provided all the documents and doctor's note clearly mentioning that I was sick before the trip.

Still Allianz denied my claim stating that I had to inform doctor before my cancellation, I did try to inform that my doctor was not available on Saturday and the earliest I could inform him was on Monday, yet the claim was denied.

Anyways, I decided to cancel my membership due to this exact experience and if anyone is thinking to get a metal membership this is what you gonna get in return.

I want to share my experience with N26, because I’m convinced many customers stay silent — and that silence is exactly what allows situations like this to drag on.

Short version:
I’ve been waiting for weeks for N26 to release my own funds.
Despite multiple contacts, repeated identity checks, and complete documentation, nothing has happened.

---

🔍 Timeline (fully documented)

• April 14, 2026:
Filed a formal complaint with N26 (case number available)
and simultaneously submitted a complaint to BaFin.
• May 8, 2026:
Sent an additional submission to BaFin because N26 still hadn’t resolved the issue.
• As of today:
No response from BaFin.
No payout from N26.
No explanation from N26.
• The case has also been forwarded to the Ombudsman.

Everything above is documented and verifiable.

---

📉 N26’s communication pattern

For weeks, N26 has only responded with generic messages like
“Your case is under review”
— but nothing actually moves forward.

I’ve completed every requested verification step multiple times.
I’ve provided every document they asked for.
Still, my own money is not being released.

---

⚠️ Why I’m posting this publicly

I’m now documenting my case publicly — strictly fact‑based, without accusations or speculation.
Just the actual timeline and the communication I’ve received.

My goals:

• encourage other affected customers to report their cases to BaFin,
• show that you don’t have to accept endless delays,
• increase transparency around how N26 handles these situations.

---

📣 To anyone with similar issues

If you are:

• waiting for a payout,
• unable to access your own funds,
• receiving only template replies for weeks,
• or seeing your complaint ignored,

then please report your case to BaFin and the Ombudsman.
The more cases they receive, the more pressure there will be.

Hi everyone,

I’ve been using N26 as my main bank account for several years now, but I’m still spending around €150–200 per year just on cash deposit fees. Since Cash26 charges 1.5%, it’s getting pretty expensive for me over time.

Does anyone here know of better or cheaper ways to deposit cash into an N26 account regularly? Maybe alternative methods, workarounds, or experiences with other services?

Would really appreciate any tips. Thanks!

I have overpaid a service that qualifies as a scam. I even had a police report filed. N26 offers an investigation service for 15€. Has anyone used it? Do you find the service reliable? Of course, I’m not sure if it will guarantee my money back. The cost is not such a high deterrence.

All of sudden my N26 account got closed by just saying "due to legal reasons and no specifics". I have been using N26 bank since past 10 years in Germany and having around 2000 euro in my account. I don't know who to reach out. There is no customer support to call , there are only AI bot which don't help much. Can someone please share any suggestion on how to proceed and get my money back ? Should I go to BaFin or get a lawyer ?

I've been thinking about switching from my traditional bank for a while now. My current bank has been charging me fees for basically everything and the app is slow and outdated. A friend of mine recently moved his salary to a neobank and said it changed how he manages his money day to day. I'm a bit hesitant though because leaving a traditional bank feels risky when your paycheck is involved. I want something with no hidden fees, a decent app, and actually reliable customer support when things go wrong. Which neobank do you use for your main salary and do you actually feel safe keeping your money there long term?

The app says I need to verify my info, but I can't verify my address, because all of a sudden it's 'an invalid town or city name?'. Even though I had 0 issues changing it when I moved to that address about a year ago.

Tried everything I could find, like entering it without the postal code, but nothing works.

Tried the chat, but have been getting the 'something went wrong' message since thursday and I can't call, because I have the basic package.

Is this their way of forcing people to get a paid subscription?

How exactly am I supposed to verify my info if the address all of a sudden doesn't exist according to the app and I have no way to contact them?

Hi,

I suddenly got a membership charge, it was refunded when i questioned it but then noticed my physical card doesnt work anywhere. I didnt receive any communication about this, has something changed?

I don't know what's going on at n26 right now, but their way of handling this change is not looking good. They told me that my account would be locked on the 11th of May and I would need to verify with my documents. That happened at 12pm today, and I successfully verified myself. 1h after that, they locked my account again. Is there anyone here from the support team who can look into this?

The bot told me to ping u/N26Support

First of all I am not a customer of N26 yet, I have Revolut and Wise.

Now I was checking out N26 because of their cashback (which revolut got rid off). And noticed they claim NO foreign transaction fees when paying with the N26 card abroad.

Is this true? I know revolut doesnt with the metal plan but you pay €20 a month for that. Wise definitely charges you a fee.

If they don't charge a fee, how are they making money and how do they avoid currency risks over the weekend?