r/n26bank

Hallo zusammen,

ich nutze seit einigen Wochen N26 Go und bin von der App und den technischen Möglichkeiten größtenteils begeistert.

Ich überlege das Konto zu meinem Hauptkonto zu machen.
Zwei Dinge lassen mich jedoch daran zweifeln und daher hoffe ich auf eure echten Erfahrungswerte.
Das erste ist die Strategie, dass immer nur ein Gerät gekoppelt sein darf. Funktioniert das denn wirklich zuverlässig, dass beim Defekt des Gerätes ich relativ schnell (mit einem neuen Gerät) erneut wieder Zugriff auf mein Bankkonto habe? Auch am Wochenende und an Feiertagen?

Der zweite Punkt sind Kontosperrungen. Man liest darüber sehr viel in diversen deutschen Foren, auf Bewertungsportalen und teilweise auch hier auf Reddit.
Realistisch betrachtet muss man natürlich dazu sagen, dass es immer mehr Leute geben wird, die Erfahrungen nur teilen wenn sie negativ sind. Genau aus diesem Grund wollte ich hier mal nachfragen.

Danke für eure Rückmeldungen.

Vielleicht noch ganz zum Schluss, für diejenigen die es interessiert, warum es mich die App „nur“ größtenteils begeistert:

„Dein Banking, deine Regeln“ in der Home-Ansicht. Ich möchte die dort genannten Schritte beziehungsweise Produkte nicht durchführen/abschließen. Schade, dass man das in der personalisierten Ansicht nicht ausblenden darf.

Das Wertpapierdepot ist leider nicht über die PSD2-Schnittstelle auslesbar. Wäre dies der Fall, würde ich auch dies intensiv nutzen. Ohne diese Anbindung jedoch müsste man alle Depotstände regelmäßig in dem Bankingprogramm aufwendig und manuell nachtragen.

Die App wird bei einem Appwechsel relativ schnell gesperrt, früher als es der Gesetzgeber vorschreibt.
Hier wäre es super wenn man den Zeitraum selbst einstellen könnte mit dem Maximum, was laut BaFin erlaubt ist.

Leider fehlen Überweisungsvorlagen. Die Kontakte werden erst nach einer einmaligen Zahlung angelegt. Gerade im Rahmen eines Kontenumzugs fände ich es jedoch sinnvoll, wenn man die regelmäßigen Zahlungsempfänger auf einen Schlag anlegen könnte.

An verschiedenen Stellen innerhalb der App wird das Upgrade auf Metal beworben. Da ich bereits ein kostenpflichtiges Modell gewählt habe (Go), fände ich es besser, wenn Premiumnutzer diese Werbung nicht mehr sehen. Oder zumindest ein Kompromiss geschaffen wird, dass man diese alle 30 Tage kurzfristig eingeblendet bekommt und entfernen kann.

Hello, I am super unfamiliar with online banking so I am hoping this post will give me some better insight.

In short, I am looking for a banking service that will allow me to easily send and convert USD (from an American bank) to EUR (to an IBAN) twice a month. This would be to pay my partner the rent each month so under 1K.

A couple of years ago I tried N26 but perhaps I didn't know what I was doing and it felt the app was charging me a high service fee for sending such little money. Some folks have recommended I try Revolut too.

As of right now, I have been withdrawing cash each time to pay for rent so I know the exact conversion rate of USD to EUR. I worry if I get a banking service I will have to include extra $$ incase the exchange rate goes up.

Anyways, if anyone else has experience doing the same please let me know.

I’m actually very happy with N26, but honestly, I’m really struggling with the new design since the update.

It’s just too visual for me, and sometimes everything feels like it takes much longer. I also keep getting error messages when logging in, such as “An error occurred” or “Something went wrong.” but the Login still went well.

Another thing I don’t really like is that you can’t properly customize the home screen. For example, I switched to N26 Smart, and now the first thing I see on the home screen is always “Your bank, your rules.” It also shows the “Round-Ups” feature there, which honestly really annoys me.

I’d much rather be able to customize the home screen myself and simply have my balance, transactions, and other important information displayed there — without all these additional elements.

What do you guys think about the new design? Are you getting used to it, or do you feel the same way?

So you really went with the "Claude, turn the whole UI into Cards, make no mistakes" route huh? The old design had a much better design philosophy IMO. Now there is zero visual hierarchy in comparison. All aspects of the app look the same. I think its objectively a worse design than previously.

Hello,

I think about transferring my ETF from Trade Republic to N26 but it seems it’s not possible in France without selling and buying it back.

Is there a possibility to transfer without paying taxes yet ? I want to pay them when I will definitely withdraw but now it would just make me lost money.

Title.

Was this just a marketing trick or are there actual winners?

Hey!
Very nice first step to be able to send and receive money via Wero. But in the current state, Wero also offers the function of requesting money and paying online. Any announcement, when this features will be available?

I opened my N26 Go account yesterday, because Wero was finally available and now I am a bit „sad“, that these features are missing.

Just want to add, that I really like the stock system. I moved all of my stocks and etfs to N26/Upvest.

Good morning!

Are there transfer templates in the app? I need to make irregular transfers with complex payment references and don’t want to enter you manually every time and look up the corresponding account details. At DKB, ING, and actually all other banks, such a feature exists.

I needed an amount of money that required me to sell some stocks, but they say it might take around 3 business days and actually taking longer than it.

What's the reason for that and do other banks/brokers also make you wait such times?

For a while now I’ve been missing the ability to nickname transfer contacts in-app.

If you have someone with multiple accounts under their same name in your contacts, e.g. depot and savings accounts, you’ll need to look up their exact IBANs every single time.
Please let us nickname them how we want and save time.

How to add N26 card to Apple wallet ?

Hey everyone,

Quick heads-up: if you were affected by the issue with drag-and-drop money transfers between Spaces, this has now been resolved — go ahead and update your app now to version 4.57 as the fix is included in this release.

We’ve also seen your thoughts on the roll-out of our new app design. We really appreciate the input, so please keep the feedback and bug reports coming so our team can continue to improve your experience.

Sperren grundlos konten

Cash26 hasn't been working for at least two weeks. I've already tried at four different Billas stores, where I've topped up my balance several times before. I can generate a barcode, but their scanner doesn't recognize it.

I'm getting different information on different sides regarding this. The official price list displays a delivery fee of 10 EUR for users on Standard (free) plan. However, some say this fee only applies to new(er) users, whereas those of us who opened an account a long time ago will still get the MasterCard free of charge. So which is right now?

With recent ui update, im having some ui issues with the ios app, some of them already fixed but there is one still not fixed. I tried to create llmized bug report:

Since the latest N26 mobile app UI update, I've run into several bugs. Most have already been fixed, but moving money between Spaces is still unreliable, and it affects a core function of the app.

Setup: I have multiple Spaces, some with their own IBAN, some without.

The bug: Selecting a target Space to move money to/from often just doesn't work the Space isn't selectable in the transfer flow. I initially thought this only happened when pushing money from the Main Account to a Space ranked 3rd or lower in my Spaces list, since pulling money (going into the target Space, tapping "Add Money," and pulling from another account) seemed to work fine every time.

Testing it more since then, though, it turns out both directions can fail, and it's not actually tied to a Space's position in the list. At this point it seems more like a general flakiness in the Space-selection step of the transfer flow than a specific "3rd Space" or "push vs. pull" bug. Usually I have to back out and retry the transfer a few times before a Space I want becomes selectable and the transfer goes through.

So in short:

• Pushing money Main Account → Space: sometimes fails
• Pulling money into a Space from another account: sometimes fails too
• Position in the Spaces list doesn't seem to matter
• Retrying a few times usually gets it to work eventually

Current workaround: Just keep retrying the transfer (switching away from the Space picker and back, or restarting the flow) until it goes through. Annoying, but it does eventually work.

Anyone else seeing this? Curious whether it's related to how the app loads/indexes Spaces after the UI update, something specific to Spaces with/without an IBAN, or just general instability in that screen. Would also be good to know if N26 support is already aware, since some of the other UI issues from this update did get patched.

TL;DR: Post-update, moving money between Spaces (in either direction) is flaky and intermittently fails to let you select a Space, regardless of its position in the list. Retrying a few times usually works, but it shouldn't take multiple attempts for a basic transfer.

I’m trying to decide whether should I invest some of my money waiting in the space to one of the investment funds N26 provides.

Are you using those funds, how is your experience
? How correct is their estimated return vs actual return? For example, the ‘Balanced’ fund offers 6% yearly return, how was your actual return ended up at least after 1 year waiting?

Planned investment around ~5K at start.

Hi,
Unfortunately I did online purchase for over €100 on a fraud website pretending to be Logitech.

Only once I received the confirmation email, I realized it was a scam.

Then I contacted N26 Bank and they told me they could not revert the transaction straight away but they will dispute the transaction together with Mastercard.

I did not receive any other reassurance or confirmation that I will ever get my money back.

How likely is it that this is going to work for me?

Thank you all