Had first issue ever with my debit…
Had first issue ever with my debit card. Tried to withdraw at ATM used many times before. Withdrawal processed and then refunded the money back to my account. Tried again--same thing. No explanation. Used another card & it worked fine so was not the ATM. Then I got a message that I had used up 2 of my ATM transactions for the month. Trying to find out what happened and why was a nightmare. Started with Twitter as the "live chat support" didn't work. The phone chat kept notifying me someone was there, but when I clicked on it I had to log in and it would not accept my credentials. Next app notification, a page came up saying "chat support not available." The N26 Twitter support is a waste of time as they cannot 'see' your account so cannot tell you what happened--just run you in circles with scripts. Live chat support online never showed up after 2 hours. Finally emailed support. Said they would get back to me in 3-5 business days! Finally filed a complaint as I had no idea how to communicate with this company. Dealing with a 'bank' that you cannot contact is not a great idea. In addition, you will read online that there is a basic 'free' account. But if you do not pay them a monthly fee of 5, 10 or 16€ per month, you do not receive a physical debit card to use. I don't really know the point of having an account without a debit card if you want to withdraw cash or pay with a debit card, so basically you have to pay an annual fee. It is not free. They are very busy trying to get new customers with referral payments, but cannot seem to deal with the customers they have. N26 seems to be very understaffed and unable to help customers in a timely manner. If you never have an issue--maybe it's fine. But not being able to find out information about your funds in a bank is not a good way to do business. I did not realize how bad the customer service is until I needed it. When you open the account--you get responses immediately. After that--good luck.
Update--I am updating as I discovered after wasting my time for hours following the advice of N26 social media support, there is a phone no. for the bank to speak with live people, and my questions were answered in minutes. But I had already filed a complaint as 'support' had advised. So the bank's cost-saving measure of outsourcing to external support is actually costing them money as they are wasting bank employees' time by having to answer complaints as advised by ersatz 'support' personnel. Update No. 2. Since this review I have been able to access direct customer phone support which has been very good. Skip the social media chat and phone the bank directly for its good customer service.