N26 ist eine deutsche Direktbank, die sich auf die Kontoführung per Smartphone spezialisiert hat. Die Zahl im Namen ist auf die 26 einzelnen Würfel in einem. A quick review: N26 and Monese. N26, originally called Number 26, was founded in February and is currently headquartered in Berlin. Ich habe vor 1 Jahr ein Konto bei der N26 eröffnet, nachdem ein Freund mir diese Bank u. a. wegen der „Freunde werben Freunde“-Prämie empfohlen hatte.
Nur Gemecker, aber 4 Sterne: Wie N26 sein Online-Image steuertN26 ist eine deutsche Direktbank, die sich auf die Kontoführung per Smartphone spezialisiert hat. Die Zahl im Namen ist auf die 26 einzelnen Würfel in einem. Join N26 to get a free bank account within minutes—all you need is your smartphone. You'll receive a free contactless Mastercard Debit, as well as features. Do you agree with N26's 4-star rating? Check out what I even referred some friends and family to open an account because the bank worked very well.
N26 Bank Review What is N26? VideoRevolut Vs N26: Which is Better? (In 5 Minutes)
It is focused on delivering the most commonly used banking services and not a full range of banking services which involve loan facility, insurance, or unsecured lines of credit.
N26 is specially geared at younger people who are tech-savvy and have modest needs when it comes to financial services of a bank. You can of course do the usual things you would do with a traditional bank like block your card, make payments etc all from the comfort of their mobile or web apps.
N26 mobile bank is partnered with TransferWise for international payments. The bank supports international transfers into 19 foreign currencies directly from the app.
N26 also claims that its international transfer service is six times cheaper as compared to other brands. It also supports Apple Pay and Google Pay which allows you to make payment in stores with your smart device as well as online.
With N26, you can set and change daily spending and withdrawal limits, lock or unlock your card, enable and disable online and foreign payments as well as reset your PIN.
It is the only bank that has no branches. You can only contact them through web app chat function which functions from Monday to Friday 8 am to 8 pm or Saturday between 8am to 7pm.
It provides a breakdown of your spending and shows spending analytics by using artificial intelligence to categorize your transactions.
A space is quite similar to a saving account. It allows you to track your spending and save for your future goals such as a house deposit or a vacation.
Each space allows you to set a spending goal and notifies you about how close you are to your goal. With the standard N26 current account, you get access to 3 spaces and if you upgrade to the N26 You or N26 Metal account, you get access to additional 10 spaces.
With the discreet mode, you can hide your balance and transaction details. N26 is not the only bank to offer those benefits. Many banks let you open an account without an Anmeldung.
Deutsche Bank offers limited English support. N26 is a great bank, but you should still look at the other options. There are also a few things I dislike with N Online banks have their disadvantages, and N26 itself has.
N26 offers no easy way to deposit cash in your account. In Germany, you often need to pay with cash, so you will have a lot of coins at home.
If you want to get rid of your coins , you must go to the Bundesbank. The Bundesbank has very inconvenient opening hours. When you create your account, you must start a video chat and verify your passport.
Some passport types are not supported. If video ID doesn't work, you must print a document and bring it to the post office. The person at the post office will verify your identity, and you will get your N26 card a few days later.
The post office does not support all passport types either 1 , 2 , 3. If you can't open an N26 account with your passport, bunq supports more passport types.
They offer similar features to N When everything goes well, you can open an account in 10 minutes.
You open the app, start a video chat, show your passport to the customer service agent, and you're done! A few days later, you receive your bank card in the mail.
Last updated: 28th February Reader Rating 34 Votes. Visit N Jump to:. Bottom line. N26 is taking the world by storm. It's certainly one of the better new digital banks we've tested out.
There are perhaps a few comparable accounts with other providers, but it's hard to beat N26's app that is packed full of features.
And if you love travelling the world, there are many benefits. Manage your account on your smartphone, or use the web browser.
View categorised spending, with monthly reports for budgeting. Discreet mode to hide financial figures. Debit cards can take up to 10 working days to arrive.
N26 also experiments with and continually refines its fully integrated digital platform. It is likely a better fit for younger clients who use their smartphones for all sorts of business and personal transactions.
As a digital bank for the modern world, N26 offers unique features combined with rock-bottom fees. Although money easily can be sent, received and transferred, if an N26 client wants their cash, they still must go to an ATM.
All account information, including statements and notifications, is digital, and there is a near absence of all human interaction. Nonetheless, N26 still functions like any other bank and is constantly expanding its service options, at all either low or no fees.
N26 works with TransferWise for international payments and supports transfers between 19 nineteen foreign currencies directly from the app.
The company also claims that its international transfer platform is six times cheaper than regular banks. If someone needs to withhold extra money for an exotic vacation or big down payment, this feature is extraordinarily practical.
Here is a list of the rest of the features that N26 builds into their app, and are included in all their accounts:. As previously discussed, N26 varies from the usual bank model in multiple ways.
The founders of N26 wanted to create a banking platform that was both simple to use and inexpensive for its customers. Most major banks generate a sizable amount of income from retail banking fees, like overdraft penalties for charges that exceed available funds and for falling below a minimum account balance.
These fees are a core part of the standard banking business model. N26 is focused on delivering commonly used banking services, rather than the full range of options such as insurance, loans or unsecured lines of credit.
Many international banking conglomerates, like RBS and NatWest, can offer its clients numerous products, like mortgages, auto loans, credit cards, and various insurance products.
In some instances, bundling all the products together into an overall package can make the cost lower for the customer. The most useless, aimless and scam organized bank in the world.
Stay away from them!!!! They will steal all your money and close your account!!! Not sure how many stars I should give this N26 bank.
I give them 5 stars for being free, but 0 for customer support! The registration process was flawless. However after I received my Debit card and put euro on the account I could not order a Maestro card and not see the debit card details in the app.
Android but also iOS. Contacted customer support over 6 times via chat. Very slow response. Took hours to get them understanding the issue.
But I am patient and persistent. Every time a different answer was given for the same problem. This did not work. Opening a new chat. Again had to open a new chat.
Waited 24 hours, but nope no Maestro card. Non of these solutions worked. They escalated my issue. After a few days waiting for the 'expert' to solve my problem I get this solution: Please unpair the phone and delete the app The problem had already been resolved in the meantime because it was clearly a problem with the app and not with my device.
Customer support needs to get some proper training. Customer support needs become a hell of a lot better before I give this 5 stars.
I have a very bad experience. I even was not able to open the account, because I am Lithuanian. I use the N26 app every day and I like it on all fronts so far.
There are a lot of people out there who might not fully trust a bank that exists mostly in the internet. A bank without a physical presence might be a turn-off to some, but it does offer great services with little cost to its customers.
Clearly, N26 is going to be a good fit for younger people, and less attractive to older generations who are still digesting the idea of paperless billing.
The fees that N26 charges are almost non-existent for people. Even when cash is withdrawn abroad, N26 only charges 1. The big upside is the lack of fees and predatory practices, as well as the built-in statistics which can make financial planning a whole lot easier.
If you need a way to track your personal spending, or are tired of all the fees associated with using the big banks, N26 is a real contender for your business.
N26 is fully integrated with the financial system, so creating an automatic monthly payment from your main bank account to your N26 account would be a snap.
In addition to removing any chance of fees on domestic activity, you would also be insulating your main bank account from identity theft. N26 designed their platform to be a perfect fit for online transactions, which can be subject to risk of fraud.
It should be pretty clear by now that the non-tech savvy should steer clear of a platform like N The bank relies on the latest consumer technology to cut costs, which is a blessing for people who live with a smartphone attached to their body.
N26 also offers a suite of commonly used features, but lacks the depth of financial services that major banking interests like Barclays would have at their disposal.
As N26 points out, it is the only mobile bank that has a full banking license. Revolut also offers many of the same services that N26 does.
Pros Free full UK current account that does pretty much all you can expect. Quick to apply and set up. Slick app with great security and budgeting features freeze your card, categorise your spending….
Fee-free card transactions abroad. Set savings goals and put money aside for a rainy day with Spaces. Safe and secure, including deposit protection.
Cons 1. No bank branches so not for you if you like face-to-face service. Data indicated here is updated daily We update our data regularly, but information can change between updates.
We say. You say. Award-winning current account, apply in minutes. Go to site. Everyday Current Account. Interest and fee free overdraft for first four months when you switch.
Guaranteed acceptance plus a credit building feature. Guaranteed acceptance. Earn cashback on your purchases when you shop through the ThinkMoney rewards portal.
How do I top-up my account? So it might be a good idea to have a traditional bank account alongside your N26 one.vielen Dank für deine Bewertung. Wir können dir versichern, dass wir uns als lizensierte Bank in Deutschland an die uns vorgegebenen Bankvorschriften halten. Do you agree with N26's 4-star rating? Check out what I even referred some friends and family to open an account because the bank worked very well. Viele Funktionen gibt es auch bei anderen Smartphone-Banken und Direktbanken. Geht es Ihnen vor allem um die Kosten, nutzen Sie den Finanztip-. Join N26 to get a free bank account within minutes—all you need is your smartphone. You'll receive a free contactless Mastercard Debit, as well as features. N26 Bank Review – My Experiences after 3 Years It has been now more than two years since I received my first N26 card. As a digital nomad, I am always seeking to use the most valuable products that allow me to save money while traveling. That applies also to my finances. Very satisfied 👍💰 N26 is a pioneer in modern banking which means it can offer some useful advantages. 👍 This internet-only, fully-licensed European bank offers most of the accustomed features, regulation, safety, and service of the regular banks, but in a lightweight mobile app. 😊. Very satisfied N26 is a pioneer in modern banking which means it can offer some useful advantages. This internet-only, fully-licensed European bank offers most of the accustomed features, regulation, safety, and service of the regular banks, but in a lightweight mobile app. . N26 is a % digital bank that doesn’t have any brick and mortar branches. It is a completely revamped concept of a bank that is really getting some attention from tech-savvy people who are tired of dealing with bloated megabanks that use questionable business practices. N26 is a digital bank that connects to a smartphone app & provides a free physical bank card. Read on for our Review. By Nicholas Say July 2, The word ‘bank’ probably conjures up images of tradition and old buildings filled with people in boring suits.