Nobody should want to repeat our…
Nobody will want to repeat our experience with N26, 2018-2019

N26 closed account unilaterally within 90 days!

Pre-paid N26 Black account opened online in early August 2018.

Account unilaterally closed by N26 Bank, with fourteen days email advance notice to account-holder, in early November 2018.

Account credit balance on date of forced closure was €4,125.52

N26 gave no reply nor refund despite all contact attempts from Nov. 2018 to Feb. 2019 by the account-holder to secure refund of his balance until he, a UK citizen resident in Spain, complained to the ombudsman’s office of Deutsche Bundesbank (German central bank in Frankfurt) with a log of this banking relationship until April 2019.
On May 24, 2019, N26 repaid the exact balance amount following a brief apology for their six-month delay.

This fast, free, straightforward service by the German central bank for legitimate complaints is outstanding.
I strongly recommend any N26 Bank customer suffering a similar clear-cut case of non-existent or unhelpful customer service from N26 Bank to document their complaint – in meticulous chronological detail – by email to the ombudsman’s office at:

schlichtung@bundesbank dot de

Schlichtungsstelle bei der Deutschen Bundesbank Geschäftsstelle

MY PUBLIC DISCLOSURE

The above facts transpired from August 2018 to May 2019 between N26 Bank GmbH, Klosterstraße 62, D-10179 Berlin, and a close relative of mine following my personal recommendation to try N26 Bank August 2018.

I no longer recommend N26 Bank to anyone, anywhere.

August 9, 2019 – UPDATE

The German central bank, Deutsche Bundesbank, kindly sent my close relative – by mail – a copy of the N26 Bank letter signed by a new N26 managing director on May 27, 2019, explaining N26’s handling of this balance refund. I was stunned to discover a blatant untruth in the N26 response.

N26 stated they telephoned the customer on May 23, 2019, for his bank account because they received no response to their May 15 email requesting his bank details when my relative had responded May 16, 2019, with full Spanish bank documentation – May 15 is a bank holiday in Spain. Email server logs May 15 & 16, 2019, at backoffice.support@n26 dot com bear witness to this fact.

Conclusion
If N26 Bank is capable of making inaccurate statements to Germany’s central bank then what level of service can any customer expect from upstart N26 Bank?

This adds credibility to Trustpilot’s 18% bad reviews.