I've had them as my primary bank for about a year or so.
I would not recommend them to anyone, especially not as the main bank. Some issues I personally experienced:
- Double transaction entries (making monthly reports, subtotals, etc wrong).
- Failing to execute standing orders (not acceptable).
- Atrocious 9-5 support.
- Broken fingerprint login on certain android devices.
- Abysmal security [0]
- Couldn't log in few times (outside support hours), app/website unusable.
- A lot of other less severe bugs (categories being wrong in web and reports for example).
I've closed my account with then in October 2017, here's what happened since:
- I still get monthly reports about my closed accounts.
- I get various summaries e.g. the "Your 2017 with N26"
- They reported to SCHUFA (German credit rating agency) a month AFTER my account was closed that I opened an account with them (again).
- After I contact their legal department about a week ago and I demanded my data in accordance with German data protection laws, they started to apparently do something with my account, since now I get emails like that my phone has been unpaired and so on.
- For all the issues I've outlined above after closing my account I've tried contacting support. They ignore me after I clarify that my account should've been deleted.
This is just what I remember from the top of my head. I also paid for their premium N26 Black subscription.
[0]: https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money
I would not recommend them to anyone, especially not as the main bank. Some issues I personally experienced:
- Double transaction entries (making monthly reports, subtotals, etc wrong).
- Failing to execute standing orders (not acceptable).
- Atrocious 9-5 support.
- Broken fingerprint login on certain android devices.
- Abysmal security [0]
- Couldn't log in few times (outside support hours), app/website unusable.
- A lot of other less severe bugs (categories being wrong in web and reports for example).
I've closed my account with then in October 2017, here's what happened since:
- I still get monthly reports about my closed accounts.
- I get various summaries e.g. the "Your 2017 with N26"
- They reported to SCHUFA (German credit rating agency) a month AFTER my account was closed that I opened an account with them (again).
- After I contact their legal department about a week ago and I demanded my data in accordance with German data protection laws, they started to apparently do something with my account, since now I get emails like that my phone has been unpaired and so on.
- For all the issues I've outlined above after closing my account I've tried contacting support. They ignore me after I clarify that my account should've been deleted.
This is just what I remember from the top of my head. I also paid for their premium N26 Black subscription.
[0]: https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money