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> As somebody who lives in the UK (London area), I've never even heard of this company N26, let alone aware that they had UK operations. They're a huge presen

> As somebody who lives in the UK (London area), I've never even heard of this company N26, let alone aware that they had UK operations. They're a huge presence in mainland Europe, especially Germany, where they're the de facto bank of choice for all non-European immigrants living in Berlin, Munich, etc.

luckylion 7y ago
Is there a specific reason for that, do they offer easy intl transfers or are very welcoming with support in many languages etc? I've vaguely known they exist but have only a few days ago seen one of their ads on public transportation (which doesn't say much, I'm not in the city a lot, but still).
- chimeracoder 7y ago
  > Is there a specific reason for that They're the only one that allows you to enter a second name via "care of"[0] in the address, and German postal services won't deliver mail if no name on the envelope matches the person registered at that address. In other words, you end up in a catch-22 where you can't sign a lease because you don't have a bank account, and you can't get a bank account because you don't have a legal address yet. There are other ways to resolve this, but the easiest is "find a bank that will let you accept mail at the address where you're staying, even if you're not on the lease", and the only bank that does that is N26. [0] I forget the German term, but basically Ms. Alice Foo c/o Bob Bar Baz Straße 14 99999 Nowhere Germany
  - Tomte 7y ago
    "c/o" is fine, I've used that before. [edit – wrong:] The German-language equivalent (that most young people won't even recognize anymore) is "z. Hd." ("zu Händen" – "to the hands of").
    - germanier 7y ago
      The German equivalent would be p. Adr. (although I haver never seen that much in the wild). z. Hd. is used in the opposite way, i.e. you write the actual recipient after it, not the address provider.
      - Tomte 7y ago
        Ah yes, that was stupid of me. Although it can be used pretty much the same. "A c/o B" is in practice not much different from "B z.Hd. A", although it's legally different (when it comes to who is authorized to accept the mail if a signature is needed etc.). I haven't actually seen "p. Adr." ever in my life.
  - germanier 7y ago
    The post doesn't care who is registered at the address (there is not even a convenient way for them to check). They just look at whatever is written on the actual mailbox. But yes, many banks want to send mail to your registered address only by default. They actually check your registration document.
- pimeys 7y ago
  The other banks in Germany have quite bad user experience compared to N26 which has a great app and is in English if you want.

luckylion 7y ago

Is there a specific reason for that, do they offer easy intl transfers or are very welcoming with support in many languages etc? I've vaguely known they exist but have only a few days ago seen one of their ads on public transportation (which doesn't say much, I'm not in the city a lot, but still).

chimeracoder 7y ago
> Is there a specific reason for that They're the only one that allows you to enter a second name via "care of"[0] in the address, and German postal services won't deliver mail if no name on the envelope matches the person registered at that address. In other words, you end up in a catch-22 where you can't sign a lease because you don't have a bank account, and you can't get a bank account because you don't have a legal address yet. There are other ways to resolve this, but the easiest is "find a bank that will let you accept mail at the address where you're staying, even if you're not on the lease", and the only bank that does that is N26. [0] I forget the German term, but basically Ms. Alice Foo c/o Bob Bar Baz Straße 14 99999 Nowhere Germany
- Tomte 7y ago
  "c/o" is fine, I've used that before. [edit – wrong:] The German-language equivalent (that most young people won't even recognize anymore) is "z. Hd." ("zu Händen" – "to the hands of").
  - germanier 7y ago
    The German equivalent would be p. Adr. (although I haver never seen that much in the wild). z. Hd. is used in the opposite way, i.e. you write the actual recipient after it, not the address provider.
    - Tomte 7y ago
      Ah yes, that was stupid of me. Although it can be used pretty much the same. "A c/o B" is in practice not much different from "B z.Hd. A", although it's legally different (when it comes to who is authorized to accept the mail if a signature is needed etc.). I haven't actually seen "p. Adr." ever in my life.
- germanier 7y ago
  The post doesn't care who is registered at the address (there is not even a convenient way for them to check). They just look at whatever is written on the actual mailbox. But yes, many banks want to send mail to your registered address only by default. They actually check your registration document.
pimeys 7y ago
The other banks in Germany have quite bad user experience compared to N26 which has a great app and is in English if you want.