--- title: N26 Bank Account Reviews meta_title: 'N26 Bank Account Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 15 reviews by the users' company size, role or industry to find out how N26 Bank Account works for a business like yours. aggregate_rating: rating_value: 3.6 review_count: 15 scale: '5' date_modified: '2026-07-12' parent_category: name: Financial Services url: https://www.g2.com/categories/financial-services --- # N26 Bank Account Reviews **Vendor:** N26 **Category:** [Mobile Banking Software](https://www.g2.com/categories/mobile-banking) **Average Rating:** 3.6/5.0 **Total Reviews:** 15 ## About N26 Bank Account N26 is a fully digital bank offering a range of accounts designed to simplify personal finance management through a user-friendly mobile app. The N26 Bank Account provides customers with a seamless banking experience, combining everyday transactions, savings, and investment options within a single platform. With a focus on transparency and security, N26 caters to individuals seeking a modern alternative to traditional banking. Key Features and Functionality: - Account Options: N26 offers a free Standard account, as well as premium plans like N26 Smart, N26 Go, and N26 Metal, each providing additional features tailored to different user needs. - Virtual and Physical Cards: Customers receive a free virtual Mastercard debit card upon account opening, which can be added to digital wallets for immediate use. A physical card is also available upon request. - Money Management Tools: The app includes features like Spaces sub-accounts for organizing finances, automatic savings through Round-ups, and real-time spending insights to help users track and manage their expenses effectively. - Investment Opportunities: Users can invest in stocks, ETFs, and cryptocurrencies directly through the app, starting with as little as €1, making investing accessible and straightforward. - Security Measures: As a fully licensed German bank, N26 employs advanced security protocols, including biometric authentication and real-time transaction notifications, ensuring the safety of user funds. Primary Value and Solutions: N26 addresses the need for a streamlined, transparent, and secure banking experience by integrating various financial services into a single mobile platform. It eliminates hidden fees and offers intuitive tools for budgeting, saving, and investing, empowering users to take control of their financial health. The flexibility of virtual and physical cards, coupled with innovative features like Spaces and real-time insights, simplifies money management for individuals seeking a modern banking solution. ## N26 Bank Account Reviews ### 1. avoid at all costs **Rating:** 0.0/5.0 stars **Reviewed by:** Taras M. | Software Engineer, Small-Business (50 or fewer emp.) **Reviewed Date:** July 01, 2025 **What do you like best about N26 Bank Account?** it seems like a modern bank, they use wise under the hood for conversions and transfers. Interface seems intuitive (lacking every feature except a list of transactions) and onboarding is smooth **What do you dislike about N26 Bank Account?** onboarding and nice UI is where all benefits end. I am writing this while I am waiting for my second support manager to reply (first one is just gone after 30 minutes). All I want is to export a PDF confirmation of the payment made to my account. There is no such option neither on website nor in the app. Every time I talk to their support it turns into a nightmare. I doubt it's because of bad people working there, likely they outsource support (like everything else) . PS. The second manager apologies for the issue and disappeared. I didn't report any issues, only asked a question and waited 30 minutes to get an answer. Still don't have one :) I am leaving this bank, my experience was terrible, beyond it. **What problems is N26 Bank Account solving and how is that benefiting you?** I am using N26 as wise alternative, if I knew how bad it is - I wouldn't open an account there ### 2. Avoid them at all costs!!!! **Rating:** 0.0/5.0 stars **Reviewed by:** Peter E. | Managing Partner, Small-Business (50 or fewer emp.) **Reviewed Date:** May 03, 2023 **What do you like best about N26 Bank Account?** By now, I, unfortunately, like nothing. .. **What do you dislike about N26 Bank Account?** Open a bank account with them if you don't mind that they will not help you if problems arise. For no reason, they might block your account, giving you no reasoning other than just wait. Wait for what exactly??? Expect that you will not able to talk to anyone what ever problem you have. You can communicate them only via a chat that will tell you to wait and then wait and then wait more.... Not even contacting the two co-founders, Mr. Stalf and Mr.Tayenthal does help resolving the issue. They just do not answer. Avoid them at all costs!!!! **What problems is N26 Bank Account solving and how is that benefiting you?** It does not solve problems but instead generates very serious ones. Choose some other mobile banking services, there is, for instance, Revolut that even comes with multi-currency options and is also backed by deposit insurance scheme like N26 but their problem-solving capabilities are world-class. ### 3. Their support is braindead **Rating:** 0.0/5.0 stars **Reviewed by:** Andrei B. | Head of Growth, Mid-Market (51-1000 emp.) **Reviewed Date:** June 20, 2022 **What do you like best about N26 Bank Account?** I didn;t like anything. I signed up for an account, said that I'm paying taxes in 2 countries, clearly marked one of them as my current tax residency and they asked for documents for the other country. And then all hell broke loose - they couldn't confirm my account, interactions with their chat where they would just send me a template and close the chat in my face, no answers to my questions, nothing. I have all the paperwork required (for the first country) to get my account approved but they only have monkeys in their support team, they don't have people that are able to articulate an idea. **What do you dislike about N26 Bank Account?** Everything. Every interaction with them was a pain, they always said they will get back to me and they never did. Then they said the "relevant department" will get back to me, which they never did. It's been over a month and there were, guess what, 0 replies! **What problems is N26 Bank Account solving and how is that benefiting you?** They aren't solving anything. I was trying to create an account with them to get my salary in Spain, but I couldn't for undisclosed/unknown reasons because there was nobody there able to explain the very basics. ### 4. One of the best options for Digital Nomads and Expats **Rating:** 4.5/5.0 stars **Reviewed by:** Alexandra N. | Founder, Non-Profit Organization Management, Small-Business (50 or fewer emp.) **Reviewed Date:** November 26, 2021 **What do you like best about N26 Bank Account?** I opened my N26 bank account in 2017. Back then I used it privately, and in 2018, when I opened my business in and moved to Estonia, it changed into a business account. I especially like that it has a very clear and transparent UI, but the best feature imho is the "spaces" feature. It is basically like a subaccount within your account, where you can, say, save up for a certain expense, or just save money. It is a genius move because it helps organize your expenses within your account. **What do you dislike about N26 Bank Account?** Nothing anymore right now- but at the beginning, every little change to my account required extensive emailing and phone calls. Since I had moved to Estonia from Austria, this was slightly annoying. **What problems is N26 Bank Account solving and how is that benefiting you?** After my initial use when I started my first business, I now only use it as a second account option, just in case I need to make faster transfers sometime or as a flexible account option for when my Estonian account wont work. N26 has the advantage of being a "location-independent" service like Revolut. These are especially great for people living outside Europe, or who travel a lot. Since N26 fees are pretty ok and you can deduct money from cash machines worldwide fast and easy, it is my preferred option for "nomadic" periods. Also, they will provide travel insurance if needed. ### 5. Good Bank **Rating:** 5.0/5.0 stars **Reviewed by:** Nicolas B. | Founder & CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** April 19, 2022 **What do you like best about N26 Bank Account?** N26 is a very good bank, I really like the features offered such as the spaces, the ability to change your code online and the customer service, I also really like the ability to open an account online in minutes. **What do you dislike about N26 Bank Account?** I have so far not found any fault with this bank **What problems is N26 Bank Account solving and how is that benefiting you?** With N26 I have the ability to put my money away quickly with spaces, and I really like the ability to see your balance in real time. ### 6. Cheap and Affordable Services **Rating:** 4.0/5.0 stars **Reviewed by:** Bilal H. | Production worker , Mid-Market (51-1000 emp.) **Reviewed Date:** November 23, 2019 **What do you like best about N26 Bank Account?** The best thing I would say of using N26 is the fact that you don't need to appear physically for registration whatsoever, everything is online. straightforward and simple registration process. They also issue you a debit card which is easily accessible in all the other major banks. **What do you dislike about N26 Bank Account?** I think there must be some offices of them in major cities since not all problems can be resolved online. **Recommendations to others considering N26 Bank Account:** I would suggest that its the best option of students since it does not charge the banking services at all. Very cost-friendly option **What problems is N26 Bank Account solving and how is that benefiting you?** The benefits realized are reliable customer service which is always available to help the customers. ### 7. Simple design, easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Sedef I. | Social Media Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** October 28, 2019 **What do you like best about N26 Bank Account?** Design is very simple and easy to use. App has a very minimal and modern design. Also referring friends is getting you both money. Good way to get new clients. **What do you dislike about N26 Bank Account?** I don't have a specific dislike but I think the blurring option is not so useful. **Recommendations to others considering N26 Bank Account:** If they are looking for an online bank with easy to use, I recommend them this app. **What problems is N26 Bank Account solving and how is that benefiting you?** It is a good alternative for normal banks.I am using it to shop online and from markets. ### 8. n26 electronic bank review **Rating:** 5.0/5.0 stars **Reviewed by:** Saeed S. | Intern, Research, Small-Business (50 or fewer emp.) **Reviewed Date:** August 30, 2019 **What do you like best about N26 Bank Account?** the application is very secure and easy to use also the options to transfer and store money in spaces is really amazing. the fast transfer time for money is great. the option to load money using CASH26 is good. the bank is free and you can get 2 cards for free and they look awesome. instant same n26 accounts transfers **What do you dislike about N26 Bank Account?** cash26 service is limited to an amount per month to load money you can't transfer immediately to other banks **Recommendations to others considering N26 Bank Account:** To get the business service if they want the perfect insurance plan **What problems is N26 Bank Account solving and how is that benefiting you?** the problem was instant transfer to same bank and the futuristic application ### 9. N26 is the Traveller's Bank **Rating:** 5.0/5.0 stars **Reviewed by:** Romain P. | Romain Perret, Small-Business (50 or fewer emp.) **Reviewed Date:** September 22, 2019 **What do you like best about N26 Bank Account?** With the You account, there is no fees in any country for payment or withdraw. You receive an instant notification on your cellphone with the cost in euro at the actual rate. **What do you dislike about N26 Bank Account?** There is not an express international delivery for a new card **What problems is N26 Bank Account solving and how is that benefiting you?** I saved money travalling, and using their insurrance service as well ### 10. I like simplicity **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Entertainment | Small-Business (50 or fewer emp.) **Reviewed Date:** September 19, 2019 **What do you like best about N26 Bank Account?** I like the simple way the application works and being able to transfer money instantly with friends using n26. **What do you dislike about N26 Bank Account?** There is no application with the Portuguese language. **Recommendations to others considering N26 Bank Account:** Digital bank quite reliable, you can use it freely and they are quite fast. **What problems is N26 Bank Account solving and how is that benefiting you?** I am able to receive money from friends who use N26. ### 11. Super easy banking that meets my needs **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** September 19, 2019 **What do you like best about N26 Bank Account?** It's easy and fast to open a bank account.There are no fees if you select the basic plan. The app lets you control your card and account very well. **What do you dislike about N26 Bank Account?** It doesn't have much more functionality other than basic banking. **Recommendations to others considering N26 Bank Account:** It's free so why not give it a shot? **What problems is N26 Bank Account solving and how is that benefiting you?** Saves me a lot of time rather than dealing with going to branches or calling customer support for basic operations. ### 12. Amazing bank account for the new era **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in E-Learning | Small-Business (50 or fewer emp.) **Reviewed Date:** June 21, 2019 **What do you like best about N26 Bank Account?** Finally an easy-to-open, light-weight and free (or cheap) bank account for the twenty-first century. I love N26 and I've been using it for more than three years now. **What do you dislike about N26 Bank Account?** The metal card (I choose over the free or black account) doesn't worth the money it cost. **Recommendations to others considering N26 Bank Account:** It's free (the basic version) and quick to open online! **What problems is N26 Bank Account solving and how is that benefiting you?** It has an amazing and light-weight app, which has no competitors in the Spanish/Italian market. ### 13. Great concept but falling short **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Apparel & Fashion | Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2019 **What do you like best about N26 Bank Account?** I like the concept of the bank as it’s online and a great starter account for many people **What do you dislike about N26 Bank Account?** That they haven’t sent me my card yet or any update on that. **What problems is N26 Bank Account solving and how is that benefiting you?** Hard to contact customer service but the app is fairly new so giving it some time. ### 14. Best mobile banking ever **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Small-Business (50 or fewer emp.) **Reviewed Date:** April 16, 2019 **What do you like best about N26 Bank Account?** N26 is the one of the best mobile banking platform. It offers an account opening procedures online and it’s really fast. The money transfer is fast and reliable. I can organize my money by creating spaces and move to spaces. As well it provides various business account features. No More wait in physical banks, N26 made it everything mobile enabled. **What do you dislike about N26 Bank Account?** Some N26 banking features are not available in my country (savings, overdraft, etc). As well as I can only recharge my N26 account by having a IBAN transfer. I can’t deposit through ATM or physical branches (as N26 is a mobile bank) **Recommendations to others considering N26 Bank Account:** It’s one of the best mobile banking service available in Europe **What problems is N26 Bank Account solving and how is that benefiting you?** N26 helped me to open a bank account very fast with an IBAN. The mobile friendly banking is the best. ### 15. Game Changer in European Banking **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Computer Games | Small-Business (50 or fewer emp.) **Reviewed Date:** July 19, 2019 **What do you like best about N26 Bank Account?** A truly digital & mobile bank. Sleek design, easy to set up and reliable service **What do you dislike about N26 Bank Account?** Not much. There’s no physical branches which some customers might miss. Also, not available in the U.S. yet (as of July ‘19) **Recommendations to others considering N26 Bank Account:** It’s a game changer! **What problems is N26 Bank Account solving and how is that benefiting you?** Real time balance, purchase notifications and generally stress free, transparent & cheaper than competitors (including a sleek looking card) ## N26 Bank Account Discussions - [Are we able to integrate the check system? Is there a premium account?](https://www.g2.com/discussions/14631-are-we-able-to-integrate-the-check-system-is-there-a-premium-account) - 1 comment, 1 upvote - [View N26 Bank Account pricing details and edition comparison](https://www.g2.com/products/n26-bank-account/reviews?section=pricing&secure%5Bexpires_at%5D=2026-07-20+13%3A15%3A54+-0500&secure%5Bsession_id%5D=7872a7e7-38c8-4f72-a66c-7e335efcd3e0&secure%5Btoken%5D=5b1509bcf6e2a509f048a01b1fd6b93b1bf5c883a7c4fc2b7a727105605eec8f&format=llm_user) ## N26 Bank Account Features **Platform Additional Functionality** - Mobility - Dashboard - Payment - Cloud **Platform Interoperability** - API - Pre-Built Connectors **Agentic AI - Mobile Banking** - Autonomous Task Execution - Multi-step Planning - Cross-system Integration - Adaptive Learning - Natural Language Interaction - Proactive Assistance - Decision Making ## Top N26 Bank Account Alternatives - [Plaid](https://www.g2.com/products/plaid/reviews) - 4.2/5.0 (44 reviews) - [MX](https://www.g2.com/products/mx-technologies-mx/reviews) - 4.7/5.0 (14 reviews) - [STARLING](https://www.g2.com/products/starling/reviews) - 5.0/5.0 (3 reviews)