Poor security & Unreliable support
Very unsafe and unreliable customer support.

I was stupid enough to get fooled by a fake website and my card details were compromised. When I reported it on the same day, they let the fraudulent transaction not only pass once, but also authorised a second transaction from some Ukrainian online payment company (I am based in Ireland).

Not only do they refuse to issue the chargeback as they claim the service was fulfilled (ie: money transferred) despite the fact I've never received any service or goods, they also don't even address the fact that they let the transaction pass twice.

As the fraudster used an Online Payment platform who was able to provide a dodgy document explaining that the money was successfully transferred, N26 considers that the transaction was legitimate: the service I paid a huge amount for was a money transfer!

Throughout weeks of contacts with the support, I was fed incorrect information as I was told that my request was approved and that the chargeback decision was made by the card issuer. I also experienced advisors leaving the chat without my consent while I had additional questions.

Online banking is convenient and cheap, but when you have an issue, it is worth what you pay for... nothing.