ComplaintsforN26, Inc.
Banking Services
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
11/09/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
I had an account with N26. They closed the account and informed that I would receive a check in the mail with the remaining balance. I received the check which was dated on 9/14/2021. The check is now void because it's been over 90 days and I've been trying to contact them to have them issue me a new check. The current check I have is out of date.Business response
11/10/2022
November 10, 2022
Dear ************ :
We received your complaint sent to theBetter Business Bureau//Federal ***************************** concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that you are no longer able to cash your check.
Our investigation
For security reasons, we ask that you please reach out to our customer service team by emailing *******************
After verifying your identity, our team will be able to help resolve this issue.
Sincerely,
***********
N26 Complaint Management
N26 ****
Initial Complaint
08/01/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
N26 bank in ******* is keeping my money for over 40 days. I got in touch several times but it seems they just dont care. I have already sent all proof of my funds, all documents asked by them, but it seems they are just playing with me. Do you know how much I lost without my finances ? There is no reason to suddenly get all these accounts closed and dont return it to their owners. I haven't seen this situation in all my life.They aren't respectful as they don't reply within a reasonable period of time to their customers. They only get back to us when they want. After several emails, they returned to me only twice saying they won't give my money back as I did not follow the terms and conditions of my account. I cannot imagine who read all the small letters in the documents to open an account. And if I did something that it was not in the terms of use, at least they would need to let me know what I did. And why my documents were not accepted. They only tell me that it won't be possible to release my money and that I need to contact ***** ****************************************** But what I did? Why all this people did that they are freezing all these accounts?If have the same issue, pls contact me under the email: carlavanessamonteirodebarros at outlook doc com Leave your review in the page below and lets make them to hear us!On ******** look for: Dont open an account with n26 bankBusiness response
08/03/2022
August 3, 2022
Dear ****************** :
We received your complaint sent to the Better Business Bureau.
It appears that you have reached the incorrect market regarding your query.
N26, Inc. is an entity based in ***************** and we cannot accept this complaint as your account with N26 is based in Europe under N26 GmbH.
We ask that you continue to reach out to the N26 GmbH team where your account was created for further assistance.
Sincerely,
***********
N26 Complaint Management
N26 Inc.Initial Complaint
05/12/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
I had an account with N26 as a ****************** The bank closed all US accounts and stated that it was sending out checks in January 2022. I never received my check for the remaining balance. I contacted the bank through it's support line and received a response asking for my pictures ID and to write this statement. See below Since the account is closed, in order to assist you, we will need you to send us an email and provide the following:- The reason for your email/your request - A double-sided photo/scan of your valid ID/Passport - Date and Place of Birth - Shipping address confirmation - Your express authorization so, please respond with the following statement: I authorise N26 Bank to exchange my personal data with me via email.After following this I have yet to receive an response from there support as to when I will receive my check. I have tried sending 6 more emails and have received no response today.Business response
06/01/2022
June 1, 2022
Dear *******We received your complaint sent to the ********************** concerning the ********************** account, which is offered by ********* and managed by ********************** **** *************************
Your complaint
From looking at your complaint, we can see you are unhappy that you have not received the check with your remaining funds.
Our investigation
I can see that you reached out to us on April 26,2022 regarding your issue. We sincerely apologize for any delays in responding to your message. Below I have provided you with some information regarding the current status of the issue and the next steps to take in order to resolve this matter.
Having reached out internally I was informed that your check was issued to ******************************************************************************* on 01/26/2022.
I note that the address you have provided with your complaint to the ********************** is different to the one we have on file. With this in mind, in order for us verify your new address and reissue the check we need one of the following displaying your new address:
**** State Issued ID (front and back image of ID)
**** State Driver's License (front and back image of ID)
Copy of a lease agreement (max * months old)
Copy of a utility **** on the customer name like landline telephone, energy, water, plumbing, garbage disposal (max * months old).
Please feel free to provide us with the documents as a scan or photo by email. If you send it by email, please make sure your attachment to this email doesn't exceed 15MB.Additionally we require you to complete the attachment ********************** Replacement Check.pdf which is an affidavit. Please note that this must be Notarized by a notary with the stamp.
********
Once these are received our team will gladly assist you with the next steps.
Sincerely,
**************************** ********** ********************** ****Initial Complaint
01/06/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I opened an N26 bank account to help me with international money transfers. Shortly after joining I realized that the bank did not actually have the ability to provide the services I needed. I could only open a **, not foreign account, and thus not make the transactions I needed. I have since been trying to close my bank account for the past 12 months, but the bank will not allow me to close my account. Today, when I called again they said my bank closure request is still "under review" and my account thus must stay open.Business response
01/11/2022
January 11, 2022
Dear ******************** :
We received your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that your request to close the account has not been actioned. You have asked us to close your account as soon as possible.
Our investigation
On January 7, 2022, you were notified that your account was fully closed. We apologize for the delay in actioning your request.
Given that your account has been closed, we consider your matter to be resolved. In case you would like to follow up with us further, please email ********************* or leave us a message at ************** and we will get back to you as soon as we can.
Sincerely,
***********
N26 Complaint Management
N26 ****
Initial Complaint
12/15/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have banked with ********* dba N26 for 2 years with no problem. On Friday, December 11,2021 my account was locked. No one can or will tell me why. I have zero access to my money. My paycheck as well as federal CTC money is set to go into this account on 12/15. I have emailed, called, chat with support, reached out on FB and ******* all to no avail. I have no irregular activities on my account. Only grocery and gas purchases. There have been no large sums of money deposited or withdrawn. I have ***** so money laundering and funding of terrorists is obviously not a concern. I have no judgements against me, no garnishments. The card is in my possession. This should be criminal to block access to someones money without explanation. Someone please help me! Its 12 days until Christmas.Business response
12/16/2021
December 16, 2021
Dear ************** :
We received your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that your account was frozen. You asked N26 to complete the review of your account and to return your remaining funds.
You additionally had questions regarding your incoming paycheck and Child Tax Credit.
Our investigation
N26 regularly screens customer relationships in order to ensure account security and manage operational risks. Upon review, we can see that your N26 account was temporarily frozen because of what appeared to be unusual activity on the account. After reviewing the activity on your N26 account, our internal team determined that your account would be closed.
Please note that, pursuant to your Consumer Account Agreement and Disclosures, we may close your Account at any time for any reason or no reason.
See ******************************************************************************* at section A(18).
On December 13, 2021, you were notified that your account was fully closed and that your remaining balance was sent to you via a check to your address of record. Please allow seven to ten business days for the check to reach you.
In your complaint you asked about an incoming paycheck and Child Tax Credit. Please note that any and all incoming transfers will automatically be returned to the sender. We ask that you reach out to the sending institution if you have any questions.
Given that your account has been closed and funds have been returned via check, we consider your matter to be resolved. In case you would like to follow up with us further, please email ********************* or leave us a message at ************** and we will get back to you as soon as we can.
Sincerely,
***********
N26 Complaint Management
N26 ****Customer response
12/27/2021
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:[Your Answer Here]
This financial institution stated they frozen and subsequently closed my account based on unusual activity. There was zero unusual activity and I demand strict proof thereof. Groceries and gas is not unusual. This decision financially destroyed our family at Christmas and was 100% unwarranted
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
***********************
Business response
02/10/2022
February 10, 2022
Dear ************** :
We received the follow up regarding your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
As detailed in our previous response, , pursuant to your Consumer Account Agreement and Disclosures, we may close your Account at any time for any reason or no reason.
See ******************************************************************************* at section A(18).
While we understand that you would like a more detailed explanation regarding the closure of your account, the decision to terminate our business relationship was an internal one and is therefore classed as commercially sensitive. This means the N26 **** is not obliged to inform you of the specific reasons this decision was made.
Sincerely,
***********
N26 Complaint Management
N26 ****Initial Complaint
11/15/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
Let me just say this I banked with this company for a whole 2 years and NEVER had an issue until recently! First off the app is very unexplained I ordered a new card simply because my chip wasnt working on my card mind you the app specifically says if you order a new card and select the options (lost, stolen, or other) that they will immediately block your card so I didnt chose any of those options I chose damaged because my card was broken, as soon as I submitted my selection my card was instantly blocked and I was was so upset because no where does it state if your card is only damaged will it lock your card. Ok thats not even the worst part, I had to wait 2 weeks for the card, card came, had the card for maybe about a week 1/2 I go to the store my cards declining and Im very confused because I have funds on the card. I check my card my cards once again locked for some odd reason, I start a live chat with a N26 representative and they get all the needed info for security and they tell me they have locked my card and CANNOT TELL ME WHY. I have never heard of a bank locking your card and not specifying why they have locked you out of your card! Ok, so 5 days later I call and Im trying to get updates and still nothing, I tried to talk to someone from a different department but everyone made it seem like it wasnt anyone ever available which was very SUSPICIOUS!! Anyways they closed me account after locking my card for 5 days didnt tell me why they locked my card closed my account because I violated the terms all I get is my direct deposit in that card and make regular purchases like I said in the beginning I had them for 2 years before any of this chaos and this never happened. Im just trying to get my money!!Business response
11/26/2021
November 26, 2021
Dear ******************************* :
We received your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that your account was frozen. You asked N26 to complete the review of your account and to return your remaining funds.
Our investigation
N26 regularly screens customer relationships in order to ensure account security and manage operational risks. Upon review, we can see that your N26 account was temporarily frozen because of what appeared to be unusual activity on the account. After reviewing the activity on your N26 account, our internal team determined that your account would be closed.
Please note that, pursuant to your Consumer Account Agreement and Disclosures, we may close your Account at any time for any reason or no reason.
See ******************************************************************************* at section A(18).
On November 9, 2021, you were notified that your account was fully closed and that your remaining balance was sent to you via a check to your address of record. Please allow seven to ten business days for the check to reach you.
Given that your account has been closed and funds have been returned via check, we consider your matter to be resolved. In case you would like to follow up with us further, please email ********************* or leave us a message at ************** and we will get back to you as soon as we can.
Sincerely,
***********
N26 Complaint Management
N26 ****Initial Complaint
11/12/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have a checking account with N26 which is by AXOS Bank. They locked my account without first notification from them that ** account will be locked for review. I still have funds in that account of $318.42 that i cant even touch because they will not finished the review or start the review. They never give me any answers or updates about anything. They keep telking me to wait for an email which has never been sent out. I have a light **** and other bills that need to ve paid. Lights are about to be cut off because i cant use my funds in that account. This is so frustrating. It should not take this long to handle anything. They just holding on to my funds will no real explanation. I need help solving this problem.Business response
11/19/2021
November 19, 2021
Dear ****************** :
We received your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that your account was frozen. You asked N26 to complete the review of your account and to return your remaining funds.
Our investigation
N26 regularly screens customer relationships in order to ensure account security and manage operational risks. Upon review, we can see that your N26 account was temporarily frozen because of what appeared to be unusual activity on the account. After reviewing the activity on your N26 account, our internal team determined that your account would be closed.
Please note that, pursuant to your Consumer Account Agreement and Disclosures, we may close your Account at any time for any reason or no reason.
See ******************************************************************************* at section A(18).
On November 10, 2021, you were notified that your account was fully closed and that your remaining balance was sent to you via a check to your address of record. Please allow seven to ten business days for the check to reach you.
Given that your account has been closed and funds have been returned via check, we consider your matter to be resolved. In case you would like to follow up with us further, please email ********************* or leave us a message at ************** and we will get back to you as soon as we can.
Sincerely,
***********
N26 Complaint Management
N26 ****Initial Complaint
11/04/2021
- Complaint Type:
- Order Issues
- Status:
- Answered
This financial institution has closed my account illegally claim they are mailing me a refund check for my account I contact them with all my personal information and its like I never existed I have all my documentation and still getting no help and N26 stealing my money please helpBusiness response
11/04/2021
November 4, 2021
Dear **************** :
We received your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that you have not received your check with your remaining balance.
Our investigation
On November 2, 2021, a new check was sent to your address of record. Please allow seven to ten business days for the check to reach you.
Given that a new check has been issued, we consider your matter to be resolved. In case you would like to follow up with us further, please email ********************* or leave us a message at ************** and we will get back to you as soon as we can.
Sincerely,
***********
N26 Complaint Management
N26 ****
Initial Complaint
10/25/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
In June of 2021, I closed my N26 account. Because I still had $261.31 in my account when I closed it, N26 sent me a check with that balance. However, I never got the check and ordered a replacement one. On August 19, I was sent a form to fill out for my replacement check and told someone would reach out within **** business days. (Screenshot below)I sent the affidavit form back the same day I got the email, after I got it notarized. (Screenshot Below) Since then, N26 has been radio silent. I have contacted the company at least ten times over phone and email. Every time, I am told a replacement check has not been ordered and they will put a note on my account for someone to check the problem. The agents I speak with and email with are not able to do anything but flag my account for review by the internal department. This is ridiculous. It has been more than 2 months since I sent in the form and was told **** business days. I demand that N26 send me my replacement check now and pay me the $261.31 they owe.Business response
11/04/2021
November 4, 2021
Dear ************** :
We received your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that you have yet to receive a replacement check with your remaining balance.
Our investigation
On November 3, 2021, you were notified that a new check was sent to your address of record. Please allow five to ten business days for the check to reach you.
Given that a new check has been issue to you, we consider your matter to be resolved. In case you would like to follow up with us further, please email ********************* or leave us a message at ************** and we will get back to you as soon as we can.
Sincerely,
***********
N26 Complaint Management
N26 ****Initial Complaint
10/25/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My account with n26 was closed suddenly over a month ago. I have been trying to get in contact with them but everytime they say they can not give me any further information. It has been over a month I have not gotten any type of response that actually answers my questions and they will not unblock my account or give me my money. I am 37 weeks pregnant I need my money.Business response
11/04/2021
November 4, 2021
Dear ***************************. :
We received your complaint sent to the Better Business Bureau concerning the N26 account, which is offered by ********* and managed by N26 **** (N26).
Your complaint
From looking at your complaint, we can see you are unhappy that your account was frozen. You asked N26 to complete the review of your account and to return your remaining funds.
Our investigation
N26 regularly screens customer relationships in order to ensure account security and manage operational risks. Upon review, we can see that your N26 account was temporarily frozen because of what appeared to be unusual activity on the account. After reviewing the activity on your N26 account, our internal team determined that your account would be closed.
Please note that, pursuant to your Consumer Account Agreement and Disclosures, we may close your Account at any time for any reason or no reason.
See ******************************************************************************* at section A(18).
On November 2, 2021, you were notified that your account was fully closed and that your remaining balance was sent to you via a check to your address of record. Please allow seven to ten business days for the check to reach you.
Given that your account has been closed and funds have been returned via check, we consider your matter to be resolved. In case you would like to follow up with us further, please email ********************* or leave us a message at ************** and we will get back to you as soon as we can.
Sincerely,
***********
N26 Complaint Management
N26 ****
*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
17 total complaints in the last 3 years.
0 complaints closed in the last 12 months.