[rzvme]

I love N26. I use it everyday. It is free, great conversion rate etc. it even works with Apple Pay. I know I sound like a paid advertiser, but I swear I just love their service

Some nice things: - you can pay with it during a flight, not possible with most of the online bank - depending on the country you can apply for overdraft - you can get cards that include different types of insurance, free withdrawals in any currency etc - you can have a savings account - you can even open business accounts and many more

Affiliate link, we will both get €15: https://n26.com/r/razvana9235

Non-affiliate link: https://n26.com

//added more info

[ctas]

Please don't use N26! There've been major security vulnerabilities in the past [0]. I wouldn't trust them with my money.

[0] https://theheureka.com/massive-security-vulnerabilities-dete...

[rzvme]

Thanks for that, didn't know. I am curios if you are insured and even if someone steals your money, you get it back.

[zAy0LfpBZLC8mAC]

The problem isn't whether it's insured, the problem is whether anyone believes your claim that it was stolen.

[rzvme]

haha you are right

[Cenk]

Yep. The also closed a bunch of people’s accounts with no warning a while back.

[dmichulke]

Ex-customer here:

Beware, N26 is not "mobile first", it's "mobile only".

If you intend to use it without mobile phone or your mobile phone doesn't use the original Google Play services (e.g. due to LineageOS), then you can't confirm transactions and that makes it pretty useless.

[scrollaway]

Your statement about lineageos does not match my experience. I've been running lineageos and never had an issue like that.

Are you confusing transactions with Google pay support? The latter doesn't support rooted phones.

[fyfy18]

Google Pay doesn't "support" rooted phones, but it's pretty easy to get it working with something that hides the fact your phone is rooted, like Magisk.

[rzvme]

Yea, thanks for pointing that out, you are right, and that is why I love it :D But I see how that can be a problem to some people :) I am the kind of person that tends to focus on the positives.

[vader1]

I tried to register for an account with N26 early this year. After uploading all my personal information and passport scans, I received a generic rejection notice almost immediately. Extensively talked to the customer service, but they couldn't possibly figure out the rejection reason and eventually just stopped replying.

N26 appears to be one of those modern companies built on automation and algorithms where human customer service is an afterthought. It'll work until it doesn't - and then you're on your own. Wouldn't recommend using them to handle significant amounts of money.

[wdavidw]

I’m a happy n26 for a little more than a year. I have one major issue which hasn’t yet been solved after 4 months now. They rejectected the wire of my dividends from my company to my personal bank account, asking for a document of justification. The support people are nice but none was able to tell me which documents they would accept despite me proposing them multiple options such as the official document voting the decision. I am currently in a situation with n26 where i love the service but i can’t get my money in.

[Multicomp]

This works well on mobile...and is not in the USA yet.

But I joined the waiting list so eventually it will work.

[markdown]

This isn't a solution. OP asked for an account that can be opened from anywhere. This one only works in a handful of countries.

> I can open account worldwide?

[rzvme]

Yea, you can open it from wherever you are, you just have to know someone in one of the supported countries and you should have a valid passport. A friend of mine opened it while I was living in Italy and there was no problem. The address is used to send you the card. As soon I received his card, I sent him all the details and he started using it through ApplePay and online. But thanks for pointing it out. I didn't make it clear enought

[titanix2]

I tried N26 for a few month... before they close my account.

They require picture of two ID (which I gave during their outsourced identity verification process). Then a few month later someone noticed that the expiration date of my national ID card expired and send my a mail about redoing the ID check process. I told them it was unnecessary because the ID is still valid for 5 more year and gave them a link to the official government website explaining it. They pushed for the verification and swap the two piece during, except I couldn't do it because I was living abroad (the reason I opened an account in their bank in the first place) with just my passport. I withdraw all my money from the account two days before they lock it.

Lessons learned: 1. Their support is non-cooperative. 2. Their support don't care about the laws of your country concerning ID validity (even if EU). 3. They will lock and keep you money if they want. 4. Their ID check is outsourced and done by people not speaking good French/English. 5. They cannot swap the two ID by themselves in their database.

So keep care of this "bank" and don't put in it more money than you can afford to lose on their whim.