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I'm a huge fan of N26. Been using them as my primary bank for 2 years. My main wishlist for them: - Allow access to more "raw" data (eg. log of failed payment

I'm a huge fan of N26. Been using them as my primary bank for 2 years. My main wishlist for them: - Allow access to more "raw" data (eg. log of failed payment attempts and why they failed, etc) - Move support back into the mobile app. It used to be there, now it's a pain to find a phone/email to contact. (The web UI still has live chat) - Don't expire fingerprint auth after 30 days if I'm actively using it. - Clarify the differences between the business and personal accounts. It's in a weird state right now. - More default categories, better tagging, etc. The aspect of tagging your transactions is super cool, it's just a bit hard to use right now. I'm a huge fan though and 100% recommend it to anyone living in Europe. If someone wants an affiliate invite, shoot me an email (profile).

gabrielizaias 9y ago
I've been using them for the past 4 months and haven't had to renew the fingerprint auth. Perhaps they solved it recently?
Numberwang 9y ago
I'll switch to them as soon as they support Sweden or Malta. HSBC is pure evil.
- avh02 9y ago
  oh jeez I was with HSBC in the UK, what a train wreck of a banking experience.
  - ekzy 9y ago
    I recently moved to the UK and I now use HSBC personal + business, it is the worst banking experience. The problem is that there is no real alternative yet...
    - dharma1 9y ago
      Monzo for personal and Tide for (small) business. Though I probably would only use Tide as a business expenses account, as they're not FCSC protected
sitepodmatt 9y ago
A lot of people hate in-app support. Revolut (similar concept to N26) for example really screwed this up, someone drank too much AI and bot framework koolaid at a conference and now millions of users (and arguably the pecetion of the business) suffers. Having a email support method is a must.
- scrollaway 9y ago
  Yeah I'm not talking about chatbot style support, but real live chat support. They have it on the web UI, it would be nice to have in the app again. But I'd settle for a contact form in the app like they used to have.
- lloeki 9y ago
  > Revolut (similar concept to N26) Isn't Revolut a pre-paid debit card though? N26, in contrast, is a bank. EDIT: oh, I see that "On 8 February 2017, Revolut launched UK current accounts, enabling its customers to get a personal IBAN" on their Wikipedia article.
  - julian_digital 9y ago
    Not a "real bank" yet, but they applied for a European banking license in Lithuania last year. https://techcrunch.com/2017/11/07/revolut-is-applying-for-a-european-banking-license-to-become-a-true-bank/ https://techcrunch.com/2017/11/07/revolut-is-applying-for-a-...
a254613e 9y ago
I've had them as my primary bank for about a year or so. I would not recommend them to anyone, especially not as the main bank. Some issues I personally experienced: - Double transaction entries (making monthly reports, subtotals, etc wrong). - Failing to execute standing orders (not acceptable). - Atrocious 9-5 support. - Broken fingerprint login on certain android devices. - Abysmal security [0] - Couldn't log in few times (outside support hours), app/website unusable. - A lot of other less severe bugs (categories being wrong in web and reports for example). I've closed my account with then in October 2017, here's what happened since: - I still get monthly reports about my closed accounts. - I get various summaries e.g. the "Your 2017 with N26" - They reported to SCHUFA (German credit rating agency) a month AFTER my account was closed that I opened an account with them (again). - After I contact their legal department about a week ago and I demanded my data in accordance with German data protection laws, they started to apparently do something with my account, since now I get emails like that my phone has been unpaired and so on. - For all the issues I've outlined above after closing my account I've tried contacting support. They ignore me after I clarify that my account should've been deleted. This is just what I remember from the top of my head. I also paid for their premium N26 Black subscription. [0]: https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money
- lloeki 9y ago
  > Abysmal security [0] At 24:57 in the talk, there is a specific section about "disclosure and conclusion", where the talker points out that N26 acted very professionally and that all issues have been solved. You can hardly say so about regular banks, which usually just ignore you or send you canned responses (I know, I tried to report some issues to two banks of mine, still unsolved after 3 years).
  - h4m24 9y ago
    "Abysmal security" N26 had 0 public security incident, what was reported wasn't actually an incident but a potential one. the researcher worked with N26 to fix the issues and it was fixed before the talk was scheduled.
- 9y ago
tgsovlerkhgsel 9y ago
I am a customer, but not a huge fan. - There is a standardized API for interfacing with banks, HBCI, which almost every other bank supports. Except N26, who stated that they have no plans to do so. - Their app (which is the only real way to interact with the account - there's a web interface but it's clear that the app is meant to be the main way) used to be really bad. They gradually improved, to the point that I wasn't able to get an error message by just opening it, but the fact that that was a pleasant surprise is not a good sign. - They repeatedly made misleading statements about the acceptance of their credit card (meaning that I'd be stranded at an airport had I not had another card), their support was generally slow. - They lured users in with great conditions, then made them progressively worse. The instant credit card usage notifications work well though, and since it's free... but I don't consider them good enough to use them as my main bank - I expect anything that goes even slightly outside of everyday mainstream transactions to go horribly wrong. If they manage to gradually fix their issues, they could be great, but as of now, I feel like they're just another startup that wants to "disrupt".
- Artemis2 9y ago
  > There is a standardized API for interfacing with banks, HBCI, which almost every other bank supports. Except N26, who stated that they have no plans to do so Won’t that change when PSD2 comes into full enforcement?
  - tgsovlerkhgsel 9y ago
    Maybe/hopefully. Does PSD2 mandate a specific protocol? If not, I suspect each bank will just cook up some horrible, incompatible-to-everything-else API, and it will be completely useless.
    - Artemis2 9y ago
      IIRC this is exactly the case.
pieterhg 9y ago
I don’t recommend N26. I was insulted on Twitter by their customer support staff after asking to close my account. I couldn’t close the account through their website or app but had to send a paper form to Germany! I wouldn’t call that an “internet bank”.
- mschuster91 9y ago
  > I couldn’t close the account through their website or app but had to send a paper form to Germany! This is a side effect of German banking regulation, not a fault of N26 (or any other Internet bank)
WordSkill 9y ago
I'm a big fan of N26 too but I longer go around evangelizing it to my friends and family. I got literally hundreds of people to sign up last year. I only discovered that support was no longer available in the app when I actually _needed_ support, it was frustrating wasting time trying to find something I was sure I had seen in the app before. So, I still use my N26 account, and appreciate it in many ways but, if they are capable of making bad decisions like that, there will obviously be more cost-cutting once they have solidified their position in the market. I cannot, in good faith, evangelize a service that may end up being as bad as the traditional banks.

gabrielizaias 9y ago

I've been using them for the past 4 months and haven't had to renew the fingerprint auth. Perhaps they solved it recently?

Numberwang 9y ago

I'll switch to them as soon as they support Sweden or Malta. HSBC is pure evil.

avh02 9y ago
oh jeez I was with HSBC in the UK, what a train wreck of a banking experience.
- ekzy 9y ago
  I recently moved to the UK and I now use HSBC personal + business, it is the worst banking experience. The problem is that there is no real alternative yet...
  - dharma1 9y ago
    Monzo for personal and Tide for (small) business. Though I probably would only use Tide as a business expenses account, as they're not FCSC protected

sitepodmatt 9y ago

A lot of people hate in-app support. Revolut (similar concept to N26) for example really screwed this up, someone drank too much AI and bot framework koolaid at a conference and now millions of users (and arguably the pecetion of the business) suffers. Having a email support method is a must.

scrollaway 9y ago
Yeah I'm not talking about chatbot style support, but real live chat support. They have it on the web UI, it would be nice to have in the app again. But I'd settle for a contact form in the app like they used to have.
lloeki 9y ago
> Revolut (similar concept to N26) Isn't Revolut a pre-paid debit card though? N26, in contrast, is a bank. EDIT: oh, I see that "On 8 February 2017, Revolut launched UK current accounts, enabling its customers to get a personal IBAN" on their Wikipedia article.
- julian_digital 9y ago
  Not a "real bank" yet, but they applied for a European banking license in Lithuania last year. https://techcrunch.com/2017/11/07/revolut-is-applying-for-a-european-banking-license-to-become-a-true-bank/ https://techcrunch.com/2017/11/07/revolut-is-applying-for-a-...

a254613e 9y ago

I've had them as my primary bank for about a year or so. I would not recommend them to anyone, especially not as the main bank. Some issues I personally experienced: - Double transaction entries (making monthly reports, subtotals, etc wrong). - Failing to execute standing orders (not acceptable). - Atrocious 9-5 support. - Broken fingerprint login on certain android devices. - Abysmal security [0] - Couldn't log in few times (outside support hours), app/website unusable. - A lot of other less severe bugs (categories being wrong in web and reports for example). I've closed my account with then in October 2017, here's what happened since: - I still get monthly reports about my closed accounts. - I get various summaries e.g. the "Your 2017 with N26" - They reported to SCHUFA (German credit rating agency) a month AFTER my account was closed that I opened an account with them (again). - After I contact their legal department about a week ago and I demanded my data in accordance with German data protection laws, they started to apparently do something with my account, since now I get emails like that my phone has been unpaired and so on. - For all the issues I've outlined above after closing my account I've tried contacting support. They ignore me after I clarify that my account should've been deleted. This is just what I remember from the top of my head. I also paid for their premium N26 Black subscription. [0]: https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money

lloeki 9y ago
> Abysmal security [0] At 24:57 in the talk, there is a specific section about "disclosure and conclusion", where the talker points out that N26 acted very professionally and that all issues have been solved. You can hardly say so about regular banks, which usually just ignore you or send you canned responses (I know, I tried to report some issues to two banks of mine, still unsolved after 3 years).
- h4m24 9y ago
  "Abysmal security" N26 had 0 public security incident, what was reported wasn't actually an incident but a potential one. the researcher worked with N26 to fix the issues and it was fixed before the talk was scheduled.
9y ago

tgsovlerkhgsel 9y ago

I am a customer, but not a huge fan. - There is a standardized API for interfacing with banks, HBCI, which almost every other bank supports. Except N26, who stated that they have no plans to do so. - Their app (which is the only real way to interact with the account - there's a web interface but it's clear that the app is meant to be the main way) used to be really bad. They gradually improved, to the point that I wasn't able to get an error message by just opening it, but the fact that that was a pleasant surprise is not a good sign. - They repeatedly made misleading statements about the acceptance of their credit card (meaning that I'd be stranded at an airport had I not had another card), their support was generally slow. - They lured users in with great conditions, then made them progressively worse. The instant credit card usage notifications work well though, and since it's free... but I don't consider them good enough to use them as my main bank - I expect anything that goes even slightly outside of everyday mainstream transactions to go horribly wrong. If they manage to gradually fix their issues, they could be great, but as of now, I feel like they're just another startup that wants to "disrupt".

Artemis2 9y ago
> There is a standardized API for interfacing with banks, HBCI, which almost every other bank supports. Except N26, who stated that they have no plans to do so Won’t that change when PSD2 comes into full enforcement?
- tgsovlerkhgsel 9y ago
  Maybe/hopefully. Does PSD2 mandate a specific protocol? If not, I suspect each bank will just cook up some horrible, incompatible-to-everything-else API, and it will be completely useless.
  - Artemis2 9y ago
    IIRC this is exactly the case.

pieterhg 9y ago

I don’t recommend N26. I was insulted on Twitter by their customer support staff after asking to close my account. I couldn’t close the account through their website or app but had to send a paper form to Germany! I wouldn’t call that an “internet bank”.

mschuster91 9y ago
> I couldn’t close the account through their website or app but had to send a paper form to Germany! This is a side effect of German banking regulation, not a fault of N26 (or any other Internet bank)

WordSkill 9y ago

I'm a big fan of N26 too but I longer go around evangelizing it to my friends and family. I got literally hundreds of people to sign up last year. I only discovered that support was no longer available in the app when I actually _needed_ support, it was frustrating wasting time trying to find something I was sure I had seen in the app before. So, I still use my N26 account, and appreciate it in many ways but, if they are capable of making bad decisions like that, there will obviously be more cost-cutting once they have solidified their position in the market. I cannot, in good faith, evangelize a service that may end up being as bad as the traditional banks.