Very bad.
Very bad.
I opened an account with N26 about 6 months ago, than after 2 months I received an e-mail from them saying that the account was closed because of a substantial violation of the terms and conditions. Very funny because I had not used the card at all and never paid any money in it.
What violation? Because the card had not been used for 2 months?
Or something bad happened with my account without my knowledge and you guys did not want to say it to avoid being talked about.
I replied the e-mail asking for more details of what happened, but never got any response, so very poor customer service.

This is the e-mail I received:

To ensure our customers’ privacy and account safety , we are obliged to run routine checks on accounts and transactions.

Unfortunately, we recently identified a substantial violation of our terms and conditions agreement. 

Section A14.2 of our Terms and Conditions for Banking - UK* states that we reserve the right to terminate user accounts without prior notice in cases of a substantial violation. Accordingly, we are required to terminate your N26 account. This termination is effective immediately.

Usage of the account, the app, as well as the card issued with it, is no longer possible.

Thank you for your understanding.


Kind regards,
N26 Bank GmbH