Sign in
Sign in
Don’t have an account?
Sign up
Sign up
By clicking on the sign up button you accept our Terms of Use and confirm that you have read our Privacy Policy
Already have an account?
N26 Reviews
21 reviews
- 01 Is N26 any Good? My expert Review
- 02 Pros and cons from reviewers
- 03 Main features
- 04 How N26 compare to similar software?
- 05 Who is N26 best for according to our reviewers?
- 06 N26 Reviews
Start saving on the best SaaS
Secret has already helped tens of thousands of startups save millions on the best SaaS like Microsoft Teams, Google Workspace & many more. Join Secret now to buy software the smart way.
01 Is N26 any Good? My expert Review
I use N26, for around 2-years now; almost exclusively as a Travel Banking Solution. It's changed the way I handle money abroad completely. I love the instant push-notifications when you make purchases overseas (I got notified after buying food in a grocery-store in Berlin, a few weeks ago). They allow you to keep tabs on your spending, so you don't need to log-in & check your accounts all day long.
Their Currency Exchange is fantastic. While traveling to Portugal recently, I made withdrawals from ATMs in Euros, without any hidden charges or poor-exchange-rates. My traditional bank would charge me £15, for one withdrawal from an ATM in Lisbon. So, N26 was a breath of fresh-air.
Customer Service is another area, where they fall short; although I did find the in-app chat feature helpful while waiting for my card to be unblocked, due to a potential-fraudulent-transaction. The response time, from their team, took nearly 48-hours & there is no telephone-support available with the free-account option, which seemed limited, at that point.
The App is very clean & easy-to-use. Creating "Savings Spaces" and setting budget-spending-limits, per category, is extremely simple. I also created a "Subscriptions-Space", which calculates my total monthly-spending on services such as Netflix, Spotify etc. As far as digital-banking options go, N26 is great; especially if you plan to travel a lot. However, traditional banks still offer better access to Customer Support.
02 Pros and cons from reviewers
Pros from reviewers
-
Easy Account Opening
Open your N26 account in minutes directly from your smartphone without paperwork or branch visits, with instant verification and immediate access to your digital banking features -
Real-Time Notifications
Receive instant push notifications for every transaction on your account, allowing you to track your spending in real-time and quickly detect any unauthorized activity -
No Hidden Fees
Benefit from transparent pricing with no account maintenance fees for the standard account, free ATM withdrawals within the Eurozone, and clear fee structures for premium services -
Integrated Money Management
Access built-in budgeting tools and spending analytics that automatically categorize your transactions, helping you understand your financial habits and manage your money more effectively -
Multi-Currency Support
Use your N26 account across multiple countries with competitive foreign exchange rates and the ability to hold different currencies, making it ideal for travelers and international transactions
Cons from reviewers
-
Limited cash deposit options
N26 does not support direct cash deposits at ATMs or branches, making it challenging for users who frequently handle physical currency to add funds to their account -
Restricted customer support
The platform primarily offers email and chat support with limited phone assistance, which can result in slower response times and difficulties resolving urgent banking issues -
Geographic availability constraints
N26 services are only available in select European countries and the United States, excluding potential customers from many global markets who cannot access the platform -
Basic investment features
Unlike traditional banks or specialized fintech platforms, N26 offers limited investment products and wealth management tools, restricting options for users seeking comprehensive financial planning services -
ATM withdrawal fees on basic plans
Free tier users face limitations on free ATM withdrawals per month, with additional withdrawals incurring fees that can accumulate quickly for frequent cash users
03 Main features
Starting Price
Free Plan
Enhanced security features
Saving made simple
Free ATM withdrawals
Real-time transaction notifications
Travel insurance options
N/A
Free Plan
No
Enhanced security features
Saving made simple
Free ATM withdrawals
Real-time transaction notifications
Travel insurance options
04 How N26 compare to similar software?
Revolut and N26 are two popular digital banking platforms, each offering unique features tailored to different user needs. Both are user-friendly and cater to those looking for modern banking solutions, but they have distinct focuses and functionalities that may influence your choice.
Revolut is renowned for its comprehensive financial services, particularly its focus on international money transfers, multi-currency accounts, and cryptocurrency trading. It allows users to hold and exchange multiple currencies at competitive rates, making it an excellent choice for frequent travelers or individuals who need to make international transactions. Revolut also offers advanced budgeting tools and analytics, providing insights into spending patterns and helping users manage their finances effectively. The app includes features like savings vaults, stock trading, and the ability to set up virtual cards for online shopping, enhancing its versatility as a financial tool.
N26, on the other hand,...
Wise and N26 are both innovative financial platforms designed to simplify money management, particularly for individuals and businesses that operate internationally. However, they differ significantly in their scope, features, and target users. While Wise focuses primarily on international money transfers and multi-currency management, N26 offers a broader range of banking services, positioning itself as a fully-fledged digital bank.
Wise is best known for its low-cost, transparent international money transfer service. It enables users to send and receive money across borders with real exchange rates and minimal fees. Wise also offers a multi-currency account, which allows users to hold and manage balances in multiple currencies. This makes it particularly attractive to freelancers, small businesses, and expatriates who need to make or receive payments in different currencies. Wise’s strength lies in its laser-focused approach to cross-border transactions, providing a reliable and...
05 Who is N26 best for according to our reviewers?
-
Small business owners and freelancers
N26 offers streamlined business banking with no monthly fees, instant notifications, and easy expense tracking that helps entrepreneurs manage their finances efficiently without the overhead of traditional business banking -
Digital nomads and remote workers
N26 provides borderless banking with multi-currency accounts, no foreign transaction fees, and instant money transfers that perfectly suit location-independent professionals who work and travel across different countries -
Tech-savvy millennials and Gen Z
N26 delivers a fully mobile-first banking experience with intuitive app design, real-time spending insights, and modern features like instant card freezing that resonates with younger generations who expect seamless digital experiences -
Expats and international students
N26 simplifies cross-border banking with easy account opening without proof of address, multi-language support, and low-cost international transfers that make financial management abroad hassle-free for those living outside their home country -
Budget-conscious consumers
N26 empowers smart money management with zero account fees, real-time spending notifications, automatic categorization of expenses, and built-in savings features that help cost-aware users take control of their finances without paying for premium banking services.
06 N26 Reviews
N26 rating
N26 Reviews
-
César Alvim
N26 offers €80
Until the 15th, N26 is offering €80 for purchases of equal or greater value using a physical or virtual card. Open an account with the code: cesara6874 or use the link https://n26.com/r/cesara6874. You can recharge the account for the first time with a credit card at no cost; after that, only with IBAN.
December 13, 2024
-
Zackery Gerlach
Better Banking Experience
N26 is truly a better way to bank
November 26, 2024
-
Rosie Miller
Exciting Offers and Promotions
The latest offers and promotions from N26 are always exciting
November 18, 2024
-
Russell Adams
Financial Control with N26
I love being in control of my finances with N26
November 10, 2024
-
Muhammad Dickinson
Modern Interface Enjoyment
The modern interface of N26 makes banking enjoyable
November 3, 2024
-
Maximilian Goldner
No Foreign Transaction Fees
No foreign transaction fees is a big plus for me as an N26 customer
October 27, 2024
-
Emelia Fritsch
Premium Account Benefits
The premium accounts offer great benefits like travel insurance
October 21, 2024
-
Sydney Trantow
Global Banking Reach
As a frequent traveler, I appreciate N26's global reach
October 14, 2024
-
Clemens Tremblay
Excellent Customer Service
N26's commitment to customer experience is evident in their service
October 5, 2024
-
Donnie Farrell
Trustworthy Banking
I trust N26 with my banking needs
October 1, 2024
Start saving on the best SaaS
Secret has already helped tens of thousands of startups save millions on the best SaaS like Microsoft Teams, Google Workspace & many more. Join Secret now to buy software the smart way.