Went well for a while, but unable to fix problems.
On Thursday night or Friday morning, N26 decided to close my account or cancel my card or both. Since then I am unable to access my cash or card services. I have been a customer for over 2 years. I have an available balance. I am still in a queue. On Friday, I will have no food in my fridge and a medical service I am paying for will be blocked, not to mention, I am already dealing with payment rejected fees and my credit score is falling.

Does N26 have a cashflow problem? Why are you doing this to me?  I have spoken to more than 6 agents now, three of them just ended the chat (yeah, ppl, don't join a bank with webchat as a support portal). The agents that actually respond say they cannot find a problem, it is in a queue.

What is going on? Nobody knows. Every agent tells me they do not know and it is in a queue, it is being escalated etc. Nobody knows what is going on.

There are many banks to choose from, don't choose this one.

#N26FailedMe

EDIT: In tonight's installment of 'customer service', day 5: The rep and I have worked out that I can get my money if I moneybeam it to another person and ask them to withdraw that money as cash. Think about how ridiculous this sounds.

EDIT2: 8 agents, and counting.

EDIT3: I am now 9 agents deep! Still no help. This agent has suggested I buy another service from N26 so that I can have a temporary workaround...smh.

EDIT4: A final update for tonight. I was only on the chat for nearly 3 hours and I have to wait 3 days for a replacement card and maybe somebody might, at some point in the future, email me. This brings my total time on this at many hours and still no guaranteed fix. I am also out of pocket for more than €100 so far and counting in late fees and planned activities I have had to forgoe that are not refundable. I hope N26 has a plan to reimburse me, then compensate me. One can dream the world is fair, I guess...

EDIT5: Nothing happened today. I was told I would get an email and replacement card within 3 days. This update just to let you know neither of these things happened today. Here's hoping an email crawls out of N26 sometime tomorrow, I know how hard it is to type and press send, sometimes...

EDIT6: I got an email! It says nothing more than:

"Thanks for the feedback!

Your issue is escalated and we are working on it. As soon as I receive the outcome, I will update you via email.

Have a great day,"

So, not much better than dealing with a bot, really (totally a bot, come on). A new card arrived, it works! So far.

Finally, I should bring to your attention the number of fake positive reviews on this website for this product. N26 pays people to leave positive reviews as 'ambassadors'. The reviews you see below that have promo codes are paid reviews. Sure, it's free money for you and the reviewer, but don't believe them.

If you open an account at this 'bank' I will be disappointed in your decision and I am sure you will too.

Thank you for coming to my TED talk. Bank somewhere else.