N26 — Love your bank 4+

Transformative Banking Experience with N26, Just Missing Polish Support

I've been using N26 for over a year now, and my experience has been overwhelmingly positive. The user interface is sleek and intuitive, making banking tasks like transferring money, setting up direct debits, and managing my expenses incredibly easy and efficient. Their customer service is prompt and helpful, which is a breath of fresh air in the banking industry. The security features, such as instant notifications for transactions and the ability to lock/unlock my card through the app, give me peace of mind that my finances are safe. The only downside I've encountered is the lack of Polish language support in their app. Despite this, N26 has transformed my banking experience for the better, and I highly recommend it to anyone looking for a modern, user-friendly banking solution.

Very transparent and clear App

It is visible that authors spend lots of time on thinking how to make people’s life easier :) Simple, clear, easy...
I’ve got one hint - I have quite a lot contacts on my phone (over 600 for sure). While trying to connect with my address book to send invitations to N26 for example, there was an error. App just couldn’t make it. Maybe it may be upgrade somehow.
But all in all, great job 👍

SCAM

I created N26 account about a year ago and have never used, meaning I didn't provide my tax details.

One time I decided to check N26's cards – what cards they offer (type, fabrics, etc.), just wanted to compare their cards with Revolut's. I allowed myself to be guided by the app and as the result I ended up with the request of issuing a card for me.
Why did I it? Because I wanted to check their app flow and UX (user experience). Due to DARK UX they tricked me and issued a card not being truly aware of issuing a card. Well done N26, you can trick people!

Let's get to the point: the fun fact is that I couldn't issue the card as I didn't provide my tax details.
But it didn't stop N26 from charging my with card owning costs.
Do you see where I'm coming from? They literally were charging me monthly for a thing I couldn't use! How would you name such behaviour? I name it SCAM.

I ended up with a due amount for two months card subscription I have never used as I couldn't and didn't want to, and for some account termination costs. Am I'm going to pay it back? NO WAY!

N26, you should be investigated. In my country there is a special organisation which fights off such murky companies.

Developer Response ,

Hi Zeóbcie,

Thanks for taking the time to leave a review. It sounds like you went through the full process of verifying your Identity and opening a subscription bank account with us as you wanted to see what it looks like.

If you decided that you did not want the account, you will have also have the option to close your account with customer services in the app. This option to close your account will have been available to you from the moment you opened the account regardless if you opted to not provide your tax details when you opened the account.

We do not offer or advertise the option to partially open a bank account by withholding your tax information. Sorry if this was your understanding when providing your ID and personal information in the app.

Respectfully we must also let you know the sign up flow is not designed to defraud customers. The app is designed to help people who want to open a bank account to do so.

Please open a chat within the app to request the closure of your account. You can also request customer services to raise your request to waive the account fees you have accrued.

Mobile App:
1. Log into your account
2. Tap on the 'messages' icon (with the questions mark) on the top right corner
3. Scroll down and tap Live chat
4. Please choose to verify yourself when prompted
5. If you don't want to speak to the chatbot "neon" just type "Human"


Best regards, Ben, Your N26 Support