N26
Updated and verified references, mobile payment in GB no longer available since N26 doesn't offer accounts there any more
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===Availability=== |
===Availability=== |
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N26 offers its services in 21 European countries.{{cite web |url=https://support.n26.com/en-eu/account-and-personal-details/opening-an-account/can-i-open-an-n26-account-in-my-country |title=Can I open an N26 account in my country? |website=n26.com |
N26 offers its services in 21 European countries.{{cite web |url=https://support.n26.com/en-eu/account-and-personal-details/opening-an-account/can-i-open-an-n26-account-in-my-country |title=Can I open an N26 account in my country? |website=n26.com |access-date=2026-04-22 |language=en}} While customers in Austria, Germany, and the Netherlands were previously able to request a [[Maestro card]], Mastercard has begun phasing out the Maestro system in 2023. As a result, N26 no longer issues new Maestro cards, although existing cards remain valid for use at ATMs and points of sale displaying the Maestro symbol until June 2027.{{cite web |url=https://support.n26.com/de-at/zahlungen-ueberweisungen-und-abhebungen/karten-und-online-zahlungen/wo-kann-ich-meine-maestro-card-einsetzen |title=Wo kann ich meine Maestro Card einsetzen? |trans-title=Where can I use my Maestro card? |website=n26.com |access-date=2026-04-22 |language=de}} These cards are not compatible with online purchases, Apple Pay, Google Pay, or the German [[Girocard]] system.{{cite web |url=https://support.n26.com/de-at/zahlungen-ueberweisungen-und-abhebungen/karten-und-online-zahlungen/wo-kann-ich-meine-maestro-card-einsetzen |title=Wo kann ich meine Maestro Card einsetzen? |website=n26.com |access-date=2026-04-22 |language=de}} |
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N26 closed its business in April 2020 in the UK. In November 2021, they also announced that they would pull out of the American market from January 2022 closing all (approx.) 500,000 accounts there.{{cite news |date= |
N26 closed its business in April 2020 in the UK. In November 2021, they also announced that they would pull out of the American market from January 2022 closing all (approx.) 500,000 accounts there.{{cite news |date=18 November 2021 |title=N26 withdraws from US |work=Finextra Research |url=https://www.finextra.com/newsarticle/39241/n26-withdraws-from-us |url-status=live |access-date=2026-04-22 |archive-url=https://web.archive.org/web/20230423130715/https://www.finextra.com/newsarticle/39241/n26-withdraws-from-us |archive-date=2023-04-23 |language=en}} |
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The mobile application and customer service are available in [[German language|German]], [[French language|French]], [[Italian language|Italian]], and [[Spanish language|Spanish]], with [[English language|English]] offered as a standard option regardless of the customer's residency.{{cite web |url=https://n26.com/en-eu/ |title=N26: The Mobile Bank |website=n26.com |access-date=2026-04-22 |language=en}} |
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===Mobile payments=== |
===Mobile payments=== |
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N26 customers in several of its markets can use their smartphone for in-store purchases. N26 supports [[Google Pay (payment method)|Google Pay]] in [[Austria]], [[Belgium]], [[Denmark]], [[Estonia]], [[Finland]], [[France]], [[Germany]], [[Greece]], [[Ireland]], [[Italy]], [[Latvia]], [[Lithuania]], [[Netherlands]], [[Norway]], [[Poland]], [[Portugal]], [[Slovakia]], [[Spain]], [[Sweden]] and [[Switzerland]],{{cite web |url=https://n26.com/en-eu/google-pay/ |title=Google Pay | |
N26 customers in several of its markets can use their smartphone for in-store purchases. N26 supports [[Google Pay (payment method)|Google Pay]] in [[Austria]], [[Belgium]], [[Denmark]], [[Estonia]], [[Finland]], [[France]], [[Germany]], [[Greece]], [[Ireland]], [[Italy]], [[Latvia]], [[Lithuania]], [[Netherlands]], [[Norway]], [[Poland]], [[Portugal]], [[Slovakia]], [[Spain]], [[Sweden]], and [[Switzerland]],{{cite web |url=https://n26.com/en-eu/google-pay/ |title=Google Pay: Pay with your Phone |website=n26.com |access-date=2026-04-22 |language=en}} while it supports [[Apple Pay]] in [[Austria]], [[Belgium]], [[Denmark]], [[Estonia]], [[Finland]], [[France]], [[Germany]], [[Greece]], [[Iceland]], [[Ireland]], [[Italy]], [[Liechtenstein]], [[Luxembourg]], [[Netherlands]], [[Norway]], [[Poland]], [[Portugal]], [[Slovakia]], [[Slovenia]], [[Spain]], [[Sweden]], and [[Switzerland]].{{cite web |url=https://n26.com/en-eu/apple-pay/ |title=Apple Pay: Mobile Payments with N26 |website=n26.com |access-date=2026-04-22 |language=en}} Additional countries are added as both Google Pay and Apple Pay gradually expand throughout N26's markets. |
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===Fees=== |
===Fees=== |
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===Security=== |
===Security=== |
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Customers can lock and unlock their MasterCard through the mobile app without having to contact N26 support. They can also enable and disable it for usage abroad or online usage and modify the daily limits for cash withdrawals and card payments. Funds held in N26 accounts are also covered by all the requisite statutory requirements of a licensed bank, and are protected up to €100,000 under the German Deposit Protection scheme.{{cite web |url=https://support.n26.com/en-eu/security/funds-protection/how-does-n26-protect-my-money |title=How does N26 protect my money? | |
Customers can lock and unlock their MasterCard through the mobile app without having to contact N26 support. They can also enable and disable it for usage abroad or online usage and modify the daily limits for cash withdrawals and card payments. Funds held in N26 accounts are also covered by all the requisite statutory requirements of a licensed bank, and are protected up to €100,000 under the German Deposit Protection scheme.{{cite web |url=https://support.n26.com/en-eu/security/funds-protection/how-does-n26-protect-my-money |title=How does N26 protect my money? |work=n26.com |publisher=N26 Support |access-date=2026-04-22 |language=en}} |
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===Mobile transfers=== |
===Mobile transfers=== |
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==Controversies== |
==Controversies== |
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===Account closures=== |
===Account closures=== |
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In October 2022, it was reported that over 100 customers of N26 had their bank accounts closed unexpectedly without any prior notice from the company.{{cite news |date= |
In October 2022, it was reported that over 100 customers of N26 had their bank accounts closed unexpectedly without any prior notice from the company.{{cite news |date=12 May 2022 |title=German Online Bank Closes the Accounts of Over 100 Clients, Who Claim They Still Have [sic] Gotten Their Money Back |work=Schengen News |url=https://www.schengenvisainfo.com/news/german-online-bank-closes-the-accounts-of-over-100-clients-who-claim-they-still-have-gotten-their-money-back/ |access-date=2026-04-22 |language=en}} [[Business Insider]] reported that several customers affected included Ukrainian refugees who fled to Western Europe due to the [[Russian invasion of Ukraine|Russian war in Ukraine]], one of whom claimed that she had lost access to €15,000 and that N26 demanded proof of her identity as a condition of returning her funds.{{cite news |last=Mann |first=Jyoti |title=More than 100 customers of N26, one of Europe's biggest online banks, say their accounts were suddenly closed — and some haven't gotten their money back |url=https://www.businessinsider.com/n26-bank-europe-customers-account-closures-access-savings-2022-4 |date=2022-10-23 |website=Business Insider |url-status=live |access-date=2023-08-31 |archive-url=https://archive.today/20230831161655/https://www.businessinsider.com/n26-bank-europe-customers-account-closures-access-savings-2022-4 |archive-date=2023-08-31}} While many more customers continued to discover that their accounts had been unexpectedly frozen, N26 stated on their corporate blog that account closures, which the company refers to as "blocks", are made in order to prevent [[crime]]s from customers who pose a high-risk to the company.{{cite web |url=https://n26.com/en-eu/blog/why-does-n26-block-accounts |title=Why does N26 block accounts? |date=2022-04-19 |publisher=N26 Blog |access-date=2023-08-31}} |
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===Anti-money laundering compliance issues=== |
===Anti-money laundering compliance issues=== |
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