If problem, N26 won’t reimburse you a fraud
Edit 3: I got my money back once the legal department took over my case. I advice to separate your money into several spaces and to lock the card in the app when you don't use it.

Edit 2 : MasterCard just confirmed to me the existence of Mastercard Zero Liability Protection Policy. If you handle your card and your data responsibily (which is my case as I still have the credit card in question, and didn't disclose any financial information neither of the secret code to anyone), you ar enot liable for any financial damages that arise from fraudsters or theft. We just need to report it to our bank, in my case N26 who will responsible for this. We are proctected as a cardholder in any case. 
So N26 customer service has been lying to me since the beginning. 
I did ask for all the transcript and the audio recording of the call received where they confirmed they can't do anything for me, and I m still waiting for all of these. In addition of lying, they are not respecting GDPR laws or banking laws that include Zero Liability Protection Policy.

I m escalating the case to MasterCard, consumers union and the right authorities within Germany. This will cost them more than the amount of my fraud but apparently they prefer this way.

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Edit 1 : as you can see by their reply, they are totally incompetent. I still have my credit card with me, no one knows my code and yet it is still possible to have your money withdrew at the opposite of the world and you ll receive a standard answer that is NOT responding to your claim. 

Avoid this bank at any cost. 


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I would not recommend this bank as there is no security for the customers when there is a fraud happening. 
My card has been duplicated, I have it with me. I live in Berlin. Some withdrawals of money happened in Kingston Jamaica. 

I’ve contested these, and went to the classical process of reimbursement through N26/MasterCard. 
The money has been reimbursed.

And then a few weeks later, the money has been taken again from my account without my permission and without asking my bank prior of it. 
I’ve tried to get in touch with someone from N26 - very difficult, this whole process I spoke with min 10 different person from the customer service, not even the Legal department despite my request to get in contact with them. 
They explained to me that it was a charge back by the ATM merchant in Jamaica. They contested the reimbursement and took the money from my bank account without asking for approval before. Totally normal. Mind blowing. Despite it’s a fraud, someone steal money from me it’s I the victim who needs to compensate the loss. 

I would not recommend this so called bank for anything in the world. 

I need to press charges in order to get my money back. Against who? I have no clue , they wouldn’t let me know.