N26 — Love your bank

I love the noon in 26 prepaid card when I first got it I really didn’t understand it very much and my card was locked and I couldn’t figure how to get it unlocked so I kept calling customer service and they kept telling me I can do it from my phone and I couldn’t figure out how to do it for like almost a month and a one day I was sitting in my car thinking there’s got to be a way maybe I just overlooked something so I went back and looked at it and it literally said unlock card one click I was unable to get my money off my account or use the card until then but since then it’s been great has a lot of security features that I like like locking the cards no one can use it. Lol Cons: Only thing I haven’t figured out yet is how to transfer money out of the in 26 account to another card in another account or transferring money out of this account to a prepaid card so if anyone has any suggestions on this please let me know

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Ive applied to N26 Metal to use the facilties they have such as the Lounge access. After waiting a month until the card arrives and logging on to their stupid inefficient login process, it turns out to be that the lounge access it not even FREE. Every single bank that advertises a LoungeKey access provides them for Free and that is the whole point of it. If I wanted to pay then I wouldve gotten a regular lounge membership from somewhere else. What is the point of paying a hefty monthly fee when this bank doesnt provide anything special and doesnt even have a proper support! There is no telephone to call, their live chat is not working and plus their emails reply days after. I requested my account to be cancelled or changed to the free one and they simply didnt! They said that your 30days has been finished and you need to pay for the whole year. This is terrible! It took 2 weeks for the card to arrive and since then I’ve been trying to reset my account password which never worked! NEVER EVER go to them. They provide false advertising, unreliable support and simply no point of it as a bank account! Its just the looks of that stupid metal card. I would need proper support from N26 to contact me and get this account sorted as I will not pay £15 per month regardless of the 30days passing by when there is nothing for it!

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I got a business account and the first thing I did is transfer some money to myself from my other account and then to a couple clients in USA and Indonesia through the N26 business account. I was told to use transfer wire. It said I can’t transfer any money internationally or receive any money from a non SEPA country using N26 business. What’s the point having a business account if I can’t receive or send money anywhere in the world. I’m being limited by my bank where I can and cannot do business. Imagine me on a business travel in a non SEPA country being able to cash out money from any atm but can’t receive money from there. What’s the point? I was later told to close my business account and apply for a new personal account. Which is again annoying. I expected better from a bank that promises to break any banking barriers. It means they want me to use another bank as my primary bank account to receive or transfer money to my non SEPA clients or during my travel. There are some advantages of holding a N26 business account but this is a real deal breaker not being able to transfer or receive money to anyone I want. So my suggestion to anyone who wants to get a business account is get a personal account or just go to another bank.

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I have have gotten an iPhone every year since the first generation iPhone. Needless to say I have countless apps, but never have I been compelled enough to right a negative review. I really loved this account until I used this account to pay for a hotel... BIG mistake. I went to Vegas for a long weekend where I checked in on the 13th of December where I was charged $358 which broke down to $158 for resort fees & $200 to insure that I didn’t trash the room. That was on hold. On the 17th I checked out & the hotel rep stated that the $358 charge will turn into a $158 charge when the $200 dollars was released back to my account. So the charge from the hotel reverted to $158. Now typically, when you have a hold on your account or receive some type of refund, you get it back between 3-10 business days. I called today, December 6th. Just under a month later, & the only explanation is “wait”. Bad enough the conversation was via chat, I had to explain my situation twice due to the app crashing on me. I’m giving them 2 more days before I call the Better Business Bureau. My December & January statement shows a value that currently shows that the amount is on my account but yet it’s now reflecting on my balance. It’s like $200 are just floating around in limbo. I’ve waited long enough.

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When I first heard news that N26 was going to be launching as an online bank in the US I was ecstatic. I was just about to head to college and needed a easily manageable bank account to manage my money. I signed up to be among the first to have access to creating an N26 account and when the time came I registered to open an account. Shortly after while doing all this on the app I was prompted to contact customer support because there was an issue in creating my account. After waiting on the line for 15 minutes I spoke with a very professional employee who said would try to see what’s wrong with creating the account. After being put on hold again for a short while I was told that I cannot create an account with N26 and that the N26 customer support system cannot disclose further information on this decision. I was left speechless as the conversation came to an awkward and abrupt end. I’m heavily disappointed in the service that was given. I can understand there being an issue in creating the account but withholding the reasons as to why that is is beyond me. I really wanted to love N26 but not a single positive thing has resulted from it for me.