Viele Funktionen gibt es auch bei anderen Smartphone-Banken und Direktbanken. Geht es Ihnen vor allem um die Kosten, nutzen Sie den Finanztip-. vielen Dank für deine Bewertung. Wir können dir versichern, dass wir uns als lizensierte Bank in Deutschland an die uns vorgegebenen Bankvorschriften halten. Von solchen Bewertungen können andere hiesige Direktbanken nur Bitte: „If you're interested in leaving a review about N26, it'll only take a.
N26 (Direktbank)Join N26 to get a free bank account within minutes—all you need is your smartphone. You'll receive a free contactless Mastercard Debit, as well as features. vielen Dank für deine Bewertung. Wir können dir versichern, dass wir uns als lizensierte Bank in Deutschland an die uns vorgegebenen Bankvorschriften halten. Want fast, flexible, and transparent banking? Meet N Open an account in 5 minutes and experience mobile banking the world loves. With 5 million customers.
N26 Bank Review Free Bank Deals & Saving Tips VideoN26 Erfahrungen nach 3 Jahren: Lohnt sich das Konto / die Kreditkarte?
N26 Bank Review Familien mit Migrationshintergrund N26 Bank Review. - 13.037 • GutFinanztip empfiehlt zudem, auch das Handy insgesamt mit einer PIN abzusichern.
You can easily set the limit for cash withdrawals and payments, activate online payments, lock and unlock your card, and reset your pin through the app without needing to contact customer service or fill out an official form.
As expats, we sometimes need to send money back home. N26 has integrated Transferwise into their app. Transferwise is an amazing platform that allows you to send money in 19 different currencies abroad without all the expensive fees a traditional platform charges.
Transferwise is up to five times cheaper than sending money through a bank. N26 does not charge you any extra fee for paying abroad in a different currency.
They use the real exchange rate provided by Mastercard for your transactions. The cool thing is, N26 allows you to add your card details to Apple and Google Pay even before your card arrives.
Now that is great customer service! This N26 review for Germany would not be complete without some negative points.
Not everything is amazing with N There are some drawbacks that you need to be aware of if you decide to open an account with them.
Germany is one of the countries where cash is still king. It is not uncommon to go to a restaurant or shop where they only accept cash Bargeld.
N26 does not allow more than one person to be the owner of the account. This means that you cannot have a shared account with your partner. N26 does not offer any credit cards.
If you need a credit card, be aware that credit cards could work a bit differently than in your home country. We explain the different credit cards and give you a lowdown of the best free credit cards in Germany.
Unfortunately, you cannot register a personal and business account with N You have to choose one and stick with it.
I opened my personal account back in However, I found that N26 Business was exactly what I was looking for.
It provides a breakdown of your spending and shows spending analytics by using artificial intelligence to categorize your transactions.
A space is quite similar to a saving account. It allows you to track your spending and save for your future goals such as a house deposit or a vacation.
Each space allows you to set a spending goal and notifies you about how close you are to your goal. With the standard N26 current account, you get access to 3 spaces and if you upgrade to the N26 You or N26 Metal account, you get access to additional 10 spaces.
With the discreet mode, you can hide your balance and transaction details. The feature is available for both mobile and web apps to make sure that your secure information stays secure from prying eyes.
Being a N26 Metal Card member, you are entitled to travel insurance and purchase protection insurance underwritten by Allianz Global Assistance.
N26 Purchase Protection Insurance — This insurance keeps you covered in the event of repair or replacement of a qualifying item that is damaged or stolen.
It works only if the item was purchased with the N26 Standard or Metal card and was insured in your home country or abroad.
Whether you are at home or on the go, N26 provides access via web or app, whatever is convenient. One purpose of this N26 review is to point out who would benefit from N Firstly, N26 can be used by the young generation who are just stepping into the financial world and do not hold many assets.
The fees charged by N26 is almost non-existent for people who plan to use the bank exclusively in the UK.
Even if you withdraw the cash abroad, a minimal fee of 1. The biggest advantage of N26 is the lack of fees and predatory practices as well as built-in statistics which makes financial planning a lot easier.
The other way to use the services offered by N26 is to have it as an add-on to a traditional bank account. If you need to track your personal spending or are fed up with all the fees associated with top banks, N26 is a real contender for you.
Since it is fully integrated with the UK financial system, creating an automatic monthly payment from your main bank account to your N26 bank account would be a snap.
It is quite evident that a non tech-savvy should steer clear of a banking platform like N N26 — This plan offers all the basic features plus free cash withdrawals in the UK and free payments worldwide.
There are no charges for this plan. N26 You — This plan offers free payments in any currency without extra foreign exchange fees. Using MoneyBeam, you can send money to someone else without their bank account details.
In partnership with TransferWise, N26 provides the option to transfer money in a total of 19 currencies. You can initiate TransferWise money transfers from within your smartphone app.
Open a Spaces sub-account, to share amongst up to 10 people. Acting as a joint account, your Space gives everyone the option to add and withdraw funds.
It is only available to users with paid-for accounts. All people sharing a space should be trusted to have access to the money.
Each person will also need their own You or Metal account. Account benefits include a choice of five different card colours, partner discounts and free overseas ATM withdrawals usually charged at 1.
It provides the benefits of N26 You, along with a metal Mastercard in a choice of three colours. Additional features include priority support to skip the queue, plus a travel insurance package and Lounge Key access for airports.
A standard N26 account is free to open and use. As a German bank, N26 is regulated by German financial authorities.
It does not offer FSCS protection. UK customers are protected up to a total of the equivalent of , Euros, through the German Deposit Scheme.
There are no N26 branches. Instead, you can contact customer support using their app or online banking. Live chat support is only available between 7am and 10pm.
N26 Metal account holders have access to priority support. An N26 bank account has all the essential features of any UK account. It includes an account number and sort code, can receive incoming payments and has Direct Debit functionality.
But, you may find it hard to use as your everyday account. If you plan to use this as your primary account, it makes sense to keep another one open.
In many situations, N26 makes spending, saving and managing money much better and as it turns out is a reputable and trusted bank.
By digging deep into real customer reviews particularly the negatives ones we uncover the reality of using N This internet-only, fully-licensed European bank offers most of the accustomed features, regulation, safety, and service of the regular banks, but in a lightweight mobile app.
You get a MasterCard that you can top-up and use for withdrawing cash at ATMs worldwide and making money transfers. It can also make life of international travellers much easier and save them some money on all the basics.
Disclosure: This post contains affiliate links. N26 is great bank account alternative to traditional banks for individuals and self employed people who travel or do business in multiple currencies.
N26 is banking that removes costs and paperwork. If you are based in any of these countries and have to travel frequently or make foreign payments , N26 is has a few options to consider.
In the US there is just one card designed to bring much cheaper banking and overseas spending to Americans. For most of Europe not inc.
As mentioned above, N26 works with TransferWise to make super cheap international money transfers a reality. Revolut offers its clients fast money transfers to up to countries from a Revolut account, and it charges the interbank rate at the time of the transfer.
If you need to make international money transfers frequently, both N26 and Revolut are great platforms for the job.
One area where Revolut stands out is with its options for clients to hold funds as crypto derivatives.
Both N26 and Revolut offer savings plans and spending metrics, as well as push notifications to alert clients to what is happening with their account.
Revolut has a savings feature called Vault which will automatically round up the value of a transaction to the nearest currency unit, and save the change in a special account.
It is pretty hands and makes saving simple. There are many people who might not fully trust a bank that exists solely on the internet.
A bank without a physical presence might be frightening to some, but it does offer great services with little cost to its customers. Clearly, N26 is going to be a good fit for the younger generation whose smartphones constitute an integral part of their daily lives.
N26 will likely be less appealing to the older generations who are still digesting the idea of paperless billing. Nonetheless, there will be cross-over, since many Gen Xers and Baby Boomers have fully embraced aspects of new technology.
There are two basic ways to use a mobile banking structure like N26, and these ways help to define the ideal customer candidate. If there is neither a need nor the existence of a mortgage or other major debts, an N26 account presents practical features with near-zero risk.
The fees that N26 charges are almost non-existent for people who plan to use the bank exclusively in the UK.
Even when cash is withdrawn abroad, N26 only charges 1. The lack of fees and predatory practices is a serious perk, and the built-in statistics of the app makes financial planning much easier.
If there is a need to track personal spending, or if there is exasperation with all of the fees associated with accounts at the big banks, N26 is a strong business alternative.
N26 is fully integrated with the UK financial system, so creating an automatic monthly payment from a main bank account to an N26 account would be incredibly easy.
In addition to removing any chance of fees on domestic UK activity, this option also insulates the main bank account from identity theft.
N26 designed their platform to be a perfect fit for online transactions, which can be subject to risk of fraud. Since N26 relies on the latest consumer technology to cut costs, it is perfect for people who live with a smartphone attached to their bodies.
Although N26 offers a suite of commonly used features, it lacks the array of financial services that major banking interests would have at their disposal.
The same is true for businesses that require a bank which tenders a wide range of esoteric financial services. Although in the European market, N26 has launched its business plan, targeting freelance workers and the self-employed.