This review relates to an N26 online…
This review relates to an N26 online account in Germany. 

Possibly the worst company I have ever dealt with. Really, really, really bad. I would avoid an account at this bank at all costs, the awful service and systems could leave you without access to your money. 

I changed my mobile number, and went through the authorisation process. This involves making an ATM withdrawal. After speaking to five agents on the online chat, finally the process was successful, and I was told I would get a call back within one hour to verify the code. After waiting for two hours, and because it was already past 1:00am, I contacted chat again. They apologised, and said I would be called the next day after 7:30am. Thirteen days later, I am still waiting for the call.  

After three days, I emailed the customer service email, and was told that messages are currently being answered in seven days. Perhaps I was lucky, because I received a reply in six days, asking for a phone bill with my name on it. I do not have a phone bill with my name on it, because my phone number is a pay-as-you go account, and is managed entirely online. I replied with this information two days ago, and have heard nothing. 

My salary within Germany is paid into this account, and all my payments are made online from it, including rent, phone bill, Rund­funk­beitrag (TV license). This means I can not currently make any payments online. I can withdraw cash, but of course N26 charges for cash withdrawals and deposits over a certain limit. I also have no way to check my balance. I usually have €1000 - €2000 in the account, not a huge amount, but significant, and as these are my only funds in Germany, the inconvenience is extremely significant. 

I have even asked to close the account. Guess what? I can't even close the account with my mobile number being authorised. Go back to square one, and repeat ad infinitum. 

I will be complaining to the German financial regulator. I have never dealt with any organisation which provides such an important service and which is so careless, uninterested, and so basically incompetent. Added to which, most of the agents were at least polite, but one was extremely rude. 

If just one person reading this changes their mind about opening an N26 account, I will have saved someone from a huge amount of trouble. Just go to a reputable bank. If I could give this company minus stars, I would