What is the official website of the payment service?
https://n26.com/en-it
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Where can I find the customer support contacts?
Customer support contact information is available in the N26 app under the "Help Center" section and on the official website's support pages.
What is the hotline phone number?
N26 primarily directs customers to contact via app chat and email; no widely publicized general hotline phone number is provided.
Is there a toll-free support number?
There is no publicly available toll-free support number; support is mainly handled via app chat and email.
What is the email address for technical support?
N26 provides support primarily through in-app chat and a general support contact form; no specific public technical support email is listed.
Are there separate emails for different types of inquiries?
N26 customer support is structured mainly through the app's help section with topic-specific guidance; no public separate emails for different inquiry types are listed.
Where can I find the online chat support?
Online chat support is accessible via the N26 mobile app and website Help Center.
Does the chat support work 24/7?
N26 offers 24/7 chat support for some account types, especially premium users, but standard users may have limited hours.
Is there support through messengers (Telegram, WhatsApp)?
Support via mainstream messaging apps like Telegram or WhatsApp is not provided.
What are the support working hours?
Support hours vary by account type; premium customers get extended or 24/7 support, while standard accounts typically have business hours support.
Does support work on weekends and holidays?
Weekend and holiday support is available mainly for premium account holders; standard support is generally limited.
Are there regional offices for in-person visits?
N26 is a fully digital bank with no physical branches for in-person visits.
Where are the physical offices located?
N26's headquarters is in Berlin, Germany; no public retail or local customer offices exist in Italy.
Can I schedule a personal meeting?
Personal meetings are not available as N26 operates entirely online and via mobile.
Are there representatives in different countries?
N26 has support teams for multiple countries but no localized in-person representatives.
In which languages is support available?
Support is available in multiple European languages including English, Italian, German, French, and Spanish.
How quickly does support respond to requests?
Average response times for in-app chat are typically within minutes to a few hours depending on volume and account type.
Is there a priority system for VIP clients?
Yes, premium customers like N26 Metal have priority support with dedicated lines.
Can I request a callback?
Callback services are not commonly available; support is primarily through chat and email.
When was the payment service founded?
N26 was founded in 2013.
Who is the founder and owner of the service?
Founded by Valentin Stalf and Maximilian Tayenthal; ownership includes these founders and investors.
In which country is the company registered?
N26 is registered in Germany.
What is the development history of the payment service?
Founded in 2013, it launched mobile banking services in 2015, expanded across Europe, launched multi-tier accounts and premium offerings, and introduced Italian IBAN accounts around 2020.
Have there been major updates or rebranding?
N26 has refreshed its app periodically and rebranded slightly to emphasize mobile-first banking; premium tiers like N26 Metal were introduced as major service updates.
Who sits on the company's board of directors?
The board includes the founders and appointed executives; specific current members can be found on corporate disclosures and official site.
Are there investors or partners in the service?
Investors include Insight Partners, Tencent, Allianz X, and others; partners include Mastercard and payment processors like Stripe.
Does the company participate in stock trading?
N26 is privately held and not publicly listed on a stock exchange.
What is the company's market capitalization?
Not publicly available due to private ownership.
Are there subsidiary companies or branches?
N26 operates subsidiaries for regional banking licenses; its main banking license is from Germany covering Italy and Europe.
What licenses does the payment service have?
N26 holds a full European banking license issued by BaFin (Germany's Federal Financial Supervisory Authority).
In which jurisdictions does the service operate officially?
N26 operates in the European Economic Area including Italy, Germany, France, Spain, Austria, Netherlands, Ireland, and others.
Are there licenses for cryptocurrency operations?
N26 does not hold specific cryptocurrency operation licenses; it offers basic crypto purchases via partners in some regions but is not a crypto exchange.
Does the service comply with AML/KYC requirements?
N26 fully complies with EU AML and KYC regulations, requiring identity verification for account opening and monitoring transactions.
Are there security certificates (PCI DSS, etc.)?
N26 complies with PCI DSS standards for card payments and maintains GDPR compliance for data security.
Has the service undergone security audits?
Regular security audits and penetration tests are conducted as customary for licensed European banks.
Is there insurance for client funds?
Customer deposits are protected up to €100,000 under the German deposit guarantee scheme.
Which international standards does it comply with?
Compliance includes PSD2, GDPR, AML directives, and PCI DSS for payment security.
Have there been any regulatory fines or violations?
No publicly disclosed major regulatory fines or violations as of current knowledge.
Where can I find real reviews about the service?
Reviews are available on Trustpilot, Google Play Store, Apple App Store, and financial forums.
What are the main user complaints?
Common complaints include customer service delays for standard accounts, occasional app bugs, and account freezes for security reasons.
What do users most often praise the service for?
Users praise N26 for its intuitive app interface, real-time notifications, easy international payments, and fee transparency.
Are there issues with fund withdrawals?
Generally, fund withdrawals work smoothly; occasional delays relate to security checks or weekends.
Is the interface convenient according to users?
The interface is widely regarded as one of the most user-friendly in mobile banking.
Are clients satisfied with transaction speed?
Transaction speeds are usually fast; instant push notifications enhance user experience.
Do users recommend this service?
Many users recommend N26 for digital banking convenience, especially younger and tech-savvy customers.
How do experts assess the service's reliability?
Experts view N26 as a reliable, fully licensed mobile bank with strong security and regulatory compliance.
Are there industry awards and recognitions?
N26 has received awards for fintech innovation and mobile banking experience.
Does the service participate in payment system rankings?
N26 is often ranked among leading challenger banks in Europe.
Are there recommendations from financial regulators?
Regulators recognize N26 as a fully authorized bank meeting all compliance requirements.
What reputation does the service have among partners?
Partners regard N26 as a reputable fintech with strong user growth and innovation.
How do they evaluate solution innovation?
N26 is rated highly for innovation in mobile-first banking and UX design.
Are there quality service certificates?
N26 holds ISO certifications where applicable and complies with standards required by banking regulators.
Does the company participate in industry conferences?
Yes, N26 executives regularly participate in fintech and banking conferences.
How does the service position itself in the market?
N26 positions itself as a fully digital, mobile-first bank with transparent pricing and easy-to-use interfaces targeting younger consumers and travelers.
Which fiat currencies does the service support?
N26 supports Euro (EUR) primarily; other currencies can be held indirectly via card payments abroad and currency conversion.
Are cryptocurrencies supported? Which ones specifically?
N26 itself does not directly support cryptocurrency wallets but partners with third parties for crypto purchases in select markets.
Is there a proprietary cryptocurrency or token?
N26 does not have a proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversions occur automatically during card transactions abroad or transfers, with dynamic exchange rates.
What exchange rates are used for conversion?
N26 uses Mastercard exchange rates during card payments and transfers.
How often are exchange rates updated?
Exchange rates are updated in real-time according to Mastercard's current rates.
Are stablecoins supported?
Stablecoins are not supported natively.
Can exotic currencies be handled?
Exotic currencies are generally not supported directly; only Euro and major currencies in card payments.
Are there currency restrictions in different countries?
Standard EU currency regulations apply; some geographic restrictions may limit account availability.
What types of transfers does the service support?
SEPA bank transfers, peer-to-peer N26 MoneyBeam transfers, direct debits, and card payments.
Can transfers be made between service users?
Yes, instant MoneyBeam transfers allow transfers between N26 customers.
Are transfers to bank cards supported?
Transfers to bank cards are generally not supported; transfers are mainly to bank accounts.
Can money be transferred to bank accounts?
Yes, customers can transfer funds to any SEPA-compliant bank account.
Is bill payment available?
Bill payments, including PagoPA and MAV, are supported via the app in Italy.
Are recurring payments supported?
Yes, SEPA direct debits can be set up for recurring payments.
Can automatic transfers be set up?
Automatic recurring transfers and direct debits are supported.
Is payment scheduling available?
Payment scheduling features are limited; users generally initiate transfers manually or by direct debit.
Are group payments supported?
Group payments or splitting can be managed via MoneyBeam or third-party features but no dedicated group payment tool.
Can payment links be created?
N26 does not provide a payment link generation feature for merchants.
What are the minimum transaction amounts in the service?
Minimum amounts depend on transaction type; SEPA transfers can generally be for very small amounts (cents).
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on account type and verification; daily limits typically range from several thousand to tens of thousands of euros.
Are there daily limits on operations?
Yes, daily transaction limits apply per regulatory and fraud prevention policies.
What monthly and annual limits are in effect?
Monthly and annual limits depend on account verification level and user profile.
Can limits be increased? How?
Limits can be increased by submitting additional verification documents through the app and contacting support.
Do limits differ for verified users?
Verified users generally have higher transaction limits compared to unverified or partly verified accounts.
Are there restrictions for new accounts?
New accounts have initial limits until full verification is completed.
Do special limits apply in different countries?
Geographic regulatory differences may impose different limit policies.
Can operations be temporarily blocked?
Yes, accounts can be temporarily blocked due to suspicious activity or compliance reviews.
Are there limits on the number of daily operations?
Yes, limits on transaction count apply to reduce fraud risk.
What are the minimum amounts for account funding?
Minimum deposit amounts vary by funding method but are typically low or zero.
What methods of funding are supported?
Account funding methods include SEPA bank transfers, card deposits, and direct deposit of salary.
Are there fees for funding?
Funding via SEPA bank transfers is free; card funding may have fees depending on region.
What are the minimum funding amounts?
Minimum deposit amounts are very low, often a few euros or less.
How quickly are funds credited when funding?
SEPA transfers usually take 1-2 business days; card funding is instant.
How can money be withdrawn from the system?
Money can be withdrawn at ATMs with Mastercard, or transferred via SEPA bank transfers.
Are there fees for fund withdrawal?
Standard accounts pay 1.7% fee on ATM withdrawals outside free limits; some premium plans offer free withdrawals.
How long does withdrawal take?
ATM withdrawals are instant; SEPA bank transfers take 1-3 business days.
What withdrawal limits are set?
Withdrawal limits depend on account type; daily ATM withdrawal limits typically around a few hundred to thousand euros.
How quickly are funds credited when funding with a card?
Card funding is typically immediate.
How long does a bank transfer take?
SEPA bank transfers generally take 1-2 business days.
How quickly do cryptocurrency transfers arrive?
N26 does not support direct cryptocurrency transfers.
Are transfers between users instant?
MoneyBeam transfers between N26 users are instant.
Are there delays when funding on weekends?
SEPA transfers initiated on weekends are processed the next business day.
Do holidays affect funding speed?
Public holidays delay SEPA fund processing.
Can crediting be accelerated for a fee?
No expedited SEPA transfer service is offered.
What determines the speed of funding processing?
Bank processing times, weekends, holidays, and payment method affect funding speed.
Are there notifications about funding status?
Push notifications and app alerts inform users about funding status.
What to do if funding takes too long?
Contact support; delays are usually due to banking processes or verification issues.
How quickly are withdrawal requests processed?
Withdrawal requests, especially SEPA transfers, are processed within 1-3 business days.
How long does card withdrawal take?
Card ATM withdrawals are immediate at the point of withdrawal.
How quickly do bank transfers arrive?
SEPA transfers arrive in 1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable as N26 does not support crypto withdrawals.
Are there withdrawal delays on weekends?
SEPA withdrawals submitted on weekends process next business day.
Do holidays affect withdrawal speed?
Holidays delay withdrawal processing.
Can withdrawal be accelerated for an additional fee?
No express withdrawal options are offered.
What determines withdrawal processing time?
Bank processing times, holidays, and regulatory checks impact withdrawal timing.
Are there notifications about withdrawal status?
Users receive push notifications for withdrawal status updates.
Can a withdrawal request be canceled?
After submission, withdrawal cancellation depends on processing stage; typically limited once processing begins.
How to register with the payment service?
Register online via the N26 website or mobile app by providing personal information and verifying identity.
What data is needed to create an account?
Required info includes name, address, date of birth, phone number, email, valid ID, and Tax ID (codice fiscale in Italy).
Can registration be done without email?
Email is mandatory for registration as primary contact.
Is phone confirmation required during registration?
Phone number verification is required for two-factor authentication.
Are there age restrictions for registration?
Must be at least 18 years old to open an account.
Can a corporate account be created?
N26 primarily offers personal accounts; business accounts are available in select countries but limited.
Is it required to provide real data?
Real identity verification documents and data are required by law.
Are there country restrictions for registration?
Registration is limited to residents of supported countries, including Italy.
How long does account activation take?
Activation takes minutes after verification approval.
What verification levels exist?
Basic and advanced verification tiers, with higher limits for advanced verification.
What documents are required for basic verification?
Valid government-issued ID such as passport or national ID card.
Are documents needed for full verification?
Additional proof of address and tax ID may be required.
Are digital copies of documents accepted?
Yes, digitally uploaded documents are accepted through the app.
How long does the verification procedure take?
Verification usually completes within minutes to a few hours.
Can the service be used without verification?
Limited use possible but major features require verification.
What restrictions apply to unverified users?
Transaction limits, no withdrawals or transfers allowed beyond small amounts.
Is address confirmation required?
Yes, address verification is generally required.
Is a selfie with documents required?
Yes, a live selfie with ID is used for identity verification.
How often do documents need to be updated?
Documents are periodically requested for updating according to regulatory requirements.
What encryption technologies does the service use?
N26 uses advanced encryption such as TLS for data transmission and storage.
Is two-factor authentication supported?
Yes, 2FA is supported via SMS and authenticator apps.
Are there SMS confirmations for operations?
Yes, SMS or push notifications are used for transaction confirmations.
Is biometric authentication supported?
Yes, biometric login such as fingerprint and facial recognition is supported on mobile devices.
Is blockchain technology used?
Blockchain is not part of the core banking platform.
Is there a multi-level security system?
N26 employs layered security with encryption, 2FA, fraud monitoring, and device recognition.
How is user personal data protected?
Data is protected per GDPR with encryption, access controls, and privacy policies.
Is cold storage used for cryptocurrencies?
Not applicable as N26 does not custody cryptocurrencies.
Is there DDoS attack protection?
Yes, N26 employs DDoS mitigation and cyber defense measures.
Are regular security audits conducted?
Yes, regular external and internal security audits are performed.
What anti-phishing protection measures are provided?
Phishing detection mechanisms and user education tools are used.
Is there a suspicious activity detection system?
Yes, AI and machine learning monitor transactions for suspicious behavior.
How does the service combat money laundering?
Compliance with AML laws, continuous transaction monitoring, and KYC verification.
Is there blocking of suspicious accounts?
Accounts suspected of illicit activity are promptly blocked pending investigation.
What to do when fraud is detected?
Users should contact support immediately; fraud cases are investigated.
How to report suspicious activity?
Suspicious transactions can be reported via customer support channels inside the app.
Is there compensation for damage from fraudsters?
Compensation policies cover unauthorized transactions under EU banking regulations.
What user rights exist for disputed transactions?
Users have rights to dispute unauthorized or incorrect charges within regulatory frameworks.
How to dispute account blocking?
Users can appeal via customer service for blocked accounts.
Is there insurance against cyber attacks?
N26 maintains insurance policies covering cybersecurity risks.
What fees does the service charge for transfers?
SEPA transfers are free; international transfers may incur fees depending on the method.
Are there fees for account funding?
Funding via SEPA and card is generally free.
Are fees charged for fund withdrawal?
ATM withdrawal fees apply beyond free limits; standard accounts pay 1.7% on foreign withdrawals.
Are there fees for currency conversion?
Currency conversion typically incurs a 1.7% fee for standard accounts; some premium accounts waive this fee.
Are there fees for account inactivity?
No inactivity fees are charged.
Are there account maintenance fees?
Standard N26 accounts have no maintenance fees; premium accounts have monthly fees depending on the plan.
Are fees charged for operation cancellation?
No fees are charged for canceling pending transactions if allowed.
Are there fees for expedited operations?
No express service fees.
Are there hidden fees?
Fees are transparently listed; no hidden fees are reported.
How are fees calculated for large amounts?
Fees for large transactions are a percentage or flat fee; details are specified in the account terms.
Are there different tariff plans in the service?
Yes, plans include N26 Standard, Smart, Go, and Metal with varying features and fees.
What advantages does VIP status provide?
VIP or Metal accounts offer perks like free withdrawals abroad, dedicated customer service, and insurance coverage.
How to get preferential conditions?
Upgrading to premium plans provides preferential conditions.
Are there free operations per month?
The Standard account includes free transfers and limited free ATM withdrawals.
Are there discounts for active users?
No specific discounts for active users publicly stated.
Are there corporate tariffs?
Corporate account offerings are limited and vary by region.
Can individual conditions be obtained?
Custom pricing is generally not offered to retail customers.
Do promotional codes work for fee reduction?
Promotional codes are occasionally offered to waive fees or trial premium services.
Are there cashback programs?
Some premium accounts offer cashback on purchases.
Are there discounts for transaction volumes?
No widely publicized volume-based discounts.
Is there an official mobile application?
Yes, N26 has official apps for iOS and Android.
On which platforms is the application available?
Available on iOS App Store and Google Play Store.
What functions are available in the mobile application?
Account management, payments, transfers, card controls, spending analytics, notifications.
Does functionality differ from the web version?
Core functions are similar; mobile app offers push notifications and biometric login not available on web.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported in the mobile app.
Can the application work offline?
Limited functionality offline; most actions require online connection.
Are there push notifications about operations?
Yes, instant push notifications for transactions and account activity.
Is dark theme supported?
Yes, dark mode is supported in the app.
How often is the mobile application updated?
Updates occur regularly every few weeks to months.
Are there beta versions of the application?
Beta versions may be available for select users for testing new features.
Is the web interface of the service convenient?
The web platform is user-friendly and well-designed.
Is responsive design supported?
Yes, web interface is mobile-responsive.
In which languages is the interface available?
Interface available in multiple languages including Italian, English, German, French, Spanish.
Is there a night mode for the website?
Night mode is supported on mobile app; web night mode availability varies.
Are hotkeys supported?
No extensive hotkey support reported.
Can data be exported?
Users can download account statements and transaction history.
Is there an API for developers?
N26 offers limited API access for business customers; no public open API for retail.
Is integration with other services supported?
Integration supports Apple Pay, Google Pay, and third-party financial apps via APIs.
How often is the web interface updated?
Periodic updates aligned with app releases.
Are there virtual cards in the service?
Yes, virtual debit Mastercards are available.
Can disposable cards be created?
Temporary virtual cards can be generated and replaced.
Is multi-currency account functionality supported?
Accounts are Euro-based; multi-currency is handled via card transactions abroad.
Are there investment products?
N26 offers investment products in selected markets via partners.
Can interest be earned on balance?
No interest is typically paid on balances.
Are there credit products?
Credit products are available in limited countries and markets.
Is P2P trading supported?
No P2P trading of securities or crypto is supported.
Can cryptocurrencies be bought/sold?
Crypto purchases are available via third-party integration, not directly via N26.
Is there acquiring for business?
N26 offers merchant services only in specific markets; mainly personal accounts.
Are mass payouts supported?
Mass payouts are not a core feature.
Is there a loyalty program in the service?
No formal loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is available only for select premium plans.
Are there referral programs?
N26 runs referral programs offering rewards for new customer sign-ups.
What privileges do VIP clients have?
VIP clients receive dedicated support, travel insurance, and fee waivers.
Are there seasonal promotions and offers?
Occasional promotions available for new user acquisition.
Can premium status be obtained?
Yes, via subscription to N26 You or Metal.
Are there partner discounts?
Partner discounts are offered with some premium plans.
Are there corporate loyalty programs?
Corporate loyalty is limited or unavailable.
Does the service allow operations with online casinos?
Restricted or not supported due to regulatory compliance.
Are there restrictions on gambling transactions?
Gambling transactions may be blocked or monitored under compliance rules.
Can accounts be blocked for casino play?
Accounts can be blocked if suspicious gambling activity is detected.
How does the service view gambling?
Gambling transactions are treated cautiously with regulatory adherence.
Are there special conditions for gambling?
Special limits or restrictions may apply per regulatory guidelines.
Are casino transactions tracked?
Yes, transactions are monitored for suspicious activity.
Can operations with gambling sites be hidden?
No, gambling expenses are visible for compliance.
Are there notifications about gambling expenses?
Generally, standard transaction notifications cover such payments.
Are there special fees for gambling operations?
No special fees but standard transaction fees apply.
Can limits be set on gambling?
Users can set card transaction limits which may restrict gambling spending.
Is there a self-exclusion function?
No built-in gambling self-exclusion but users can request account limitations.
Can access to gambling sites be restricted?
Blocking is generally managed by user or third-party apps, not the bank directly.
Is gambling expense control supported?
Expense control is through transaction monitoring and user-set limits.
Are there notifications about limit exceedance?
Users receive notifications for declined transactions.
Can operations with casinos be blocked?
Yes, via transaction blocking for compliance reasons.
Is a "cooling-off period" supported?
No official gambling cooling-off period feature.
Can help be obtained for gambling addiction?
Users can seek external support; no in-app gambling support.
Is there partnership with player assistance organizations?
No public partnerships available.
How to set up gambling expense notifications?
Users can enable transaction alerts for spending monitoring.
Which online casinos accept this payment method?
N26 Mastercard is widely accepted by many online merchants, including casinos.
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships.
Do conditions differ when used in different casinos?
Standard card processing applies similarly across casinos.
Are there special bonuses for using this method in casinos?
No casino-specific payment bonuses.
Can the method be used for both deposits and withdrawals in casinos?
Deposits are common; withdrawals less frequently supported via card.
Are there geographic restrictions for casino usage?
Local gambling laws may restrict use in some countries.
How do casino operators typically process transactions from this method?
Via standard Mastercard processing networks.
Are there typical processing times when used with casinos?
Instant for deposits; withdrawals can take several days depending on casino.
Do casinos usually charge additional fees for this method?
Fees depend on the casino policy, not N26 directly.
Are there any known compatibility issues with major casino platforms?
No major issues reported with major platforms.