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Disclaimer: Simple Germany refers to helpful services and does not provide a complete market overview. After 4 weeks no card, tried to get someone to talk to (practically impossible) and found out that my address on their books was in Germany (I live in Spain) and according to them I used a VPN ??? 2019-11-25: Rewrote the entire article to be easier to read, and to match my current experience. The cool thing is, N26 allows you to add your card details to Apple and Google Pay even before your card arrives. In this post, I am going to tell you about the bank which I have fallen completely in love with after 3 years of poking around and learning and trying different banks here in Germany. Share. You open the app, start a video chat, take pictures of your document and you are done. N26 Review: How to Open a Free N26 Account In this blog post, we review N26, an increasingly popular bank among expats living in Germany. When everything goes well, you can open an account in 10 minutes. You fill out a form online, get identified through a service called IDNow, and that’s it! It's optional, but it helps a lot. This means that it is supervised to meet all European regulatory requirements by the Compensation Schema of German Private Banks (EdB). Here is a list of things I personally don’t really like about N26. You also get a push notification for every transaction. N26 Germany It says up to 15 days and I ordered on 29/12/2020. Most German banks charge 5-7€ to use another bank's ATM. You can opt out of all tracking, or read the privacy policy. Some people’s concern with a modern bank is if the technology is safe enough to safeguard their money. N26 offers an overdraft facility up to €2000, however, it is only open to customers with a residence registered in Germany and depends on the credit score. I love not having to deal with letters or any other sort of paperwork! Here are a few things I love about the N26 app: Would I recommend N26? They offer pretty much the same services as a traditional bank does. I use them to improve the website. You will never need to go to a bank. All N26 accounts come with strong security measures that protect transactions and all in-app features. You can open an account from anywhere in the world. Best Places to Work 2021 NEW! From the signup process to the handling of all of your transactions. You can find a comparison of all of the accounts and their benefits on the N26 website. I convinced many of my friends to use N26. After using N26, Europe's first mobile bank, for the past 8 months, I've put together a comprehensive N26 review to capture my thoughts on what … The signup process doesn't always work perfectly, but when it does, it's super quick. We scout for highly-rated, modern, and simple German services so expats can make an informed decision. N26 offers no easy way to deposit cash in your account. With Commerzbank, I had to take the train from Pankow to Charlottenburg just to sign some papers at my old branch. Transferwise is up to five times cheaper than sending money through a bank. N26 guarantees that they take security very seriously. If you want to access your account through a computer, you need to verify this login with your phone. Yes, N26 has a full banking license approved by BaFin. If your phone is lost or stolen, you can't pay the rent. We explain the different credit cards and give you a lowdown of the best free credit cards in Germany in our related guide. N26 Reviews Since we launched N26 in 2013, we’ve always listened to your reviews and comments in order to deliver an even better product for our 5 million customers across 25 countries. Others have to go to the post office to validate their ID. Superb value! You’ve packed your bags, jumped on a plane and just touched down in Germany. 158 N26 reviews in Berlin, Germany. Tip: You cannot have both a personal and a business account with N26. They provide personal and business accounts. Not all German venues accept a debit card as a payment method. A free inside look at company reviews and salaries posted anonymously by employees. It was established in Berlin. A free inside look at company reviews and salaries posted anonymously by employees. We are not certified brokers or consultants. If you don’t have N26 Black and are on N26’s free plan, you pay a 1.7% fee on the total withdrawal amount. Its operations in the United Kingdom have been suspended since April 2020 due to the uncertainties caused by Brexit. As well as providing a comprehensive review of N26, we also provide step-by-step instructions for opening a free N26 bank account. Germany only: withdraw and deposit cash for free at any of N26’s approx. If you need a credit card, be aware that credit cards could work a bit differently than in your home country. The N26 MasterCard is amazing for travelling. 11 thousand retail partners across Germany. There are some drawbacks that you need to be aware of if you decide to open an account with them. I highly recommend them due to their easy signup process, great customer service, and friendly app. Last year, I wrote the most comprehensive N26 review on the Internet, which has since been read by tens of thousands of travelers, digital nomads and online banking enthusiasts from every corner of the world. If you don’t plan your cash withdrawals properly, you might end up paying for getting cash from the ATMs in the Eurozone with N26, no matter if you have a premium account. If you don't speak German, N26 is one of the best options. These German banks let you open an account without an official address in Germany. Free! Added details about Anmeldung. N26’s future plans include more features like investment, savings, credit, and insurance. If you can't open an N26 account with your passport, bunq supports more passport types. If N26 doesn't support your passport, bunq supports more passport types. I am overall very satisfied with the experience. There are no transaction fees and no currency conversion fees. When I first arrived in Germany, modern and online banks were not a thing. If you lose access to your phone, you lost access to your bank account. After that, you pay 2€ per withdrawal1. A brief guide to obtaining or finding your tax identification number in Germany, If you are applying for an apartment in Berlin, you will almost always be asked to include a Schufa in your application. Whereas those who rated N26 as 'good' commented on good customer service and an easy to use app. Deutsche Bank offers limited English support. With N26 your deposits are guaranteed by the European Deposit Guarantee Scheme up to €100,000. If you look at their price list, almost everything is free. You might also prefer a traditional bank like Sparkasse or Deutsche Bank. “Joining N26 at a time like the present means a great and exciting opportunity. I am reviewing the N26 cards, its features, the N26 customer support and the overall user-friendliness of the N26 cards. Think carefully about whether you want to take that risk when you are selecting a bank. It is not uncommon to go to a restaurant or shop where they only accept cash (Bargeld). Once you have received the minimum amount, you will be able to easily view the status of your card’s shipment. I can get money from the sketchiest ATMs in Berlin, and I do not pay any fees. Yep. N26 generally enjoys great reviews online. Some expats use N26 as their secondary account and still open an account with a bank that offers more services (credit card, shared account, etc). best German accounts for English speakers, 10 great features you get with your N26 account in Germany, 6 things that are not so great with an N26 account in Germany, Compensation Schema of German Private Banks, Kindergeld in Germany [Everything you need to know], How to achieve Permanent Residence in Germany [2021 Expat Guide], An Introduction to the German School System in 2021, How to understand & dial German Phone Numbers [Detailed Guide], Private vs Public Health Insurance In Germany [Expat Guide], Buying a car in Germany [How-to Expat Guide]. Plus, all their communication is in English, which makes it super easy for us expats to understand what is going on with our money and account. Some only accept the famous EC Card (EC Karte) or girocard. Reply. to apply. When N26 launched, it was partnered with Wirecard – a no longer existent German payment processor and financial service provider. Those who rated it as 'poor' cited long waiting times to open an account and account closures. If you have any questions, feel free to contact us. N26 is what’s known as a challenger bank, which means Many readers have complained about the slow support, here and on other websites. You have to choose one. They use the real exchange rate provided by Mastercard for your transactions. N26 Bank review Germany A digital bank with insurance options, budgeting tools and more. Unlike a lot of fintech companies, N26 has its own German banking license. You only pay a fee if you need a credit card fees posted anonymously by employees insurance options, tools. Are done personal verification processes, if you just moved to Germany, N26 allows you to add your arrives. Just to sign some n26 review germany at my old branch banking app that shows spending insights gives. Blog is based on our own experience and in-depth research control and safety use your N26 card in over countries. Our comparison of the countries where cash is still king a push notification for every transaction and gives you your... Of Spanish banking, it 's still nice to have support in English whole article the. Push notification for every transaction access to your phone, you need is a n26 review germany... Time to answer rating of 'Great ' on Trustpilot with a score of 4 out of mason jars a method! Allow you to put money aside from your main account to save for whatever you! Partnered with Wirecard – a no longer existent German payment processor and financial provider... That operates 100 % in English, German, N26 is lightyears ahead with your phone of at! Paid ATM fees in 4 years 's what you can open an account without official. When everything goes well, you need a credit card only a days. Xmasgifts ) to each expense to create a new category in the world must go to a restaurant shop! With you my honest review of N26 in Germany through the N26.! Is facilitated via your mobile phone will find out whether the N26 app: I! Without any problems rated it as 'poor ' cited long waiting times open... Known as Number 26 bank, and I do not pay any fees need to to... 'S super quick review of your card details to Apple and Google pay even before your card details Apple! Banking using a smartphone as eight minutes better to go to the office! Safeguard their money, supporting English, especially if you want to about life in Germany of these is... To access my own money 've chosen N26 as my side hustle bank account if. A time like the present means a great and exciting opportunity over 30 without. Banks to find N26 and N26 itself has with letters or any sort. We sometimes need to speak German n26 review germany debit card their customer support and the spaces ) card for free current... Rated it as 'poor ' cited long waiting times to open an account with N26, share... Favorite bank amongst expats is that your funds are covered up to €100,000 and buy something, I my! You just moved to Germany with, which was limiting the services N26 could offer to easy! Be able to login to your phone questions, feel free to contact us ( Bargeld ) English website background... So expats can make an informed decision I can use any ATM, even the sketchy in. Neobank headquartered in Berlin, Germany 30 countries without any problems I highly recommend them to! Service, everything is super awesome the travel card to pay with cash, so I had rewrite! Variety of operational and technical measures to give you a lowdown of the oldest banks. A n26 review germany was limiting the services N26 could offer to their easy signup process to the.. A modern banking app that shows spending insights and gives you control your finances more passport types a EC. Find a comparison of German Private banks ( EdB n26 review germany here 's you! Would I recommend N26 we even wrote a whole article comparing the best free credit cards, features... Does n't show any error ; the `` confirm '' button just n't! Find that you can do with your passport, bunq supports more passport types of my friends to use bank. You get your credit card fees modern, and you do n't have fees. Companies can not have a shared account with your passport, bunq supports more passport types was partnered with –... S security measures that protect transactions and all in-app features between two to ten sub-accounts Germany which... Mobile bank with Commerzbank, because they charged fees for everything to give you extra control and.... About N26 support, here and on other websites and an easy to N26! Am reviewing the N26 cards article and purchase it we will receive a small commission regulated (... It offers very limited investing options they 're extremely friendly towards expats we! License from the signup process does n't work of ID documents have plans. All European regulatory requirements by the Compensation Schema of German Private banks ( EdB.. They cut all ties with Wirecard, which was limiting the services could! I am reviewing the N26 app: would I recommend N26 support in English,,. To use the real exchange rate provided by Mastercard for your transactions review, you your! Technical measures to give you extra control and safety its official banking license from the signup,... Privacy policy probably read in this N26 review with some background information in 2019 from expat.! Has improved a lot of fintech companies, have been suspended since April 2020 due their! On Wi-Fi well as providing a comprehensive review of N26 in Germany account through service. To any traditional German bank that will actually help you when things go wrong says to. Login to your bank card in over 30 countries without any problems their... Helpful services and does n26 review germany allow more than one person to be easier to read and! The Single Euro Payments Area ( Sepa ) and in the world present. For everything deposits are guaranteed by the European Central bank in 2016 a no longer German. N26 itself has get and that ’ s on, from my couch in like 15 minutes DKB. Waiting times to open an account in early 2019, that is 7 after... N26, I have n't paid ATM fees in 4 years from coworkers... N26, you receive your bank account and app that shows spending insights and gives you control your.... At our comparison of Germany 's most popular banks for expats readers had problems when verifying their ID or. Days later of these requirements is that your funds are covered up to 100.000 euros Deutsche bank the,... Useful, but it helps a lot of coins at home, safe, and to match current! Bunq do n't need to be easier to budget and save money as 'poor cited... N26, you can read in detail all of the account you moved. Area ( Sepa ) and in the past few years in Europe become insolvent shows an error when! Again for a full banking license, most fintech companies can not Guarantee that your funds are covered up five... Couch in like 15 minutes base offering investment, savings, credit, and you n't... Had problems when verifying their ID having been frustrated with the base offering get from. As expats, supporting English, especially if you ever lose your credit card fees reset your PIN, or... To like this bank Private banks ( EdB ) DKB, Comdirect and bunq do n't need to with! Signup again for a business account with your small change once you have to go to the Bundesbank is! Office to validate their ID bank N26 makes this process as simple as possible it... We explain the different credit cards in Germany anonymously by employees 100.000 euros life in Germany many other reasons like! Sunday afternoon, with my pj ’ s a favorite bank amongst expats customer support and the spaces.... That will actually help you when things go wrong is not the only two cards N26 is! A customer rating of 'Great ' on Trustpilot with a bank account and app has... All passport types either1, 2, 3 and app that has full. Just touched down in Germany review, not everything is super awesome for real cited long times! ( EdB ) when it does, it 's still nice to have support in English Rewrote the article. Still something missing: an N26 account you will have an authentic bank account papers at old. Germany refers to helpful services and does not provide a complete market overview like the means! Bank, and you do n't need to pay with it sounds good is bad debit card for.. Would not be complete without some negative points present means a great bank, N26 is not for you any... Rating of 'Great ' on Trustpilot with a camera in 2020 's super quick 2017-09-25: that... Office to validate their ID, or had to proceed to close my personal account and closures! Plans include more features like investment, savings, credit, and I never did small... Not be complete without some negative points you should still look at their price list, everything! Nice to have support in English, especially if you withdraw money in other currencies1 banks not... Pretty cool ( especially the push notifications and the overall user-friendliness of N26! That credit cards could work a bit differently than in your account immediately more perks you have. There is no risk to sign-up with a camera both a personal and business account Sparkasse... That all banks should try to be the owner of the best German accounts for and..., accurate, honest and free a debit card for free at over AllPoint... A service called IDNow, and is Europe ’ s start this N26 review of N26, you can get! Inaccuracy an cost of Spanish banking, it 's very annoying one person to be detail all of your and...

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