Gute aber versteckte Leistungen. Ein solides Girokonto für Jedermann. Das reicht nicht. Direktbanken locken mit kostenlosen Girokonten und zugehörigen Kreditkarten.

Wir haben acht Angebote getestet und miteinander verglichen und teilen unsere Erfahrungen mit euch. Von Beginn an spezialisierte sich die Direktbank N26 auf das Bankgeschäft per Smartphone , sodass auch das heutige NGirokonto eng mit der zugehörigen mobilen App verknüpft ist.

Verknüpft mit diesem Konto ist ein Dispositionskredit, der bei der N26 derzeit durchschnittliche 8,9 Prozent Zinsen pro Jahr p. Unerwünschte Transaktionen sind so schnell aufgespürt.

Die Direktbank N26 nutzt ihr hauptsächlich über euer Smartphone. Hier seht ihr die App anhand von Screenshots im Foto-Check.

Während selbstverständlich reguläre Überweisungen per NApp ausführbar sind, integriert die Bank darüber hinaus den internationalen Überweisungsservice Transferwise in das eigene Angebot.

Dieser fungiert bei Auslandsüberweisungen als Zwischenhändler und ermöglicht günstigere und schnellere Transaktionen ins Ausland, verglichen mit regulären Banktransfers.

Die Transferwise-Integration in das NKonto ist sicherlich praktisch. Inhaber eines Kontos bei jeder anderen Bank können den Dienst jedoch ebenso über seine eigene Webseite nutzen.

Hierfür habt ihr fünf Minuten Zeit. Auf eine Passworteingabe wird hierbei verzichtet. See where all your money goes. Breaking it down into categories like groceries or transport might help you budget.

N26's 'Spaces' feature lets you squirrel money away in sub-accounts. Away from your spending pot. Your N26 Mastercard is accepted in over countries.

So make payments and withdraw money wherever you are. However, while cash withdrawals in pounds are free of charge, for ATM withdrawals in other currencies, N26 makes a surcharge of 1.

Also, be aware that at the moment N26 does not support international money transfers. You can only send and receive money from other UK accounts.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site. N26 also offers a Bug Bounty programme. This means cash rewards to encourage security researchers to track down bugs or vulnerabilities.

The app itself has a three-tier security procedure protecting your account and transactions. Your account can only be paired to one smartphone at a time, you must log in to your account using your password or fingerprint, and you must verify all online and offline transactions with your PIN.

If compared to traditional banks, N26 is really competitive, especially for travelling abroad. For a UK-based digital bank check out the likes of Starling.

When taking money out abroad, N26 charge its basic account holders a 1. Learn the details of our methodology and scoring. We show offers we can track - that's not every product on the market Unless we've said otherwise, products are in no particular order.

The terms "best", "top", "cheap" and variations of these aren't ratings, though we always explain what's great about a product when we highlight it.

This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Charlie Barton is a publisher at Finder. He specialises in banking and investments products, including banking apps, current accounts, share-dealing platforms and stocks and shares ISAs.

Charlie has a first-class degree from the London School of Economics, and in his spare time enjoys long walks on the beach.

Find out the average cost of insurance for a Land Rover Discovery and which insurance group it falls under. Find out the insurance group for your DS 3, how much it should cost to insure and how to save on your premiums.

Opening a current account for your club, community organisation, sporting society or charity can take a bit of time, but is a fundamental step in setting up your organisation.

This guide covers the basics you need to get started. How can you make sure that your money is not being use to support companies that are unethical or harm the environment?

You can choose an ethical bank. We take this type of feedback very seriously and would like the opportunity to discuss this further with you in order to resolve any issues you may still be experiencing.

Please ensure to quote the code as a case has been opened for you and one of our dedicated team members will be on hand to assist you right away.

This bank is a joke This bank is a joke I had an account with them for around two years I had a metal card which I paid If there are insufficient funds, the agreed upon fees must still be paid.

You may go into an unauthorised overdraft if this happens You can also go into an unauthorised overdraft via card payment. This occurs because the payment terminal cannot detect the insufficient funds due to its lack of internet connection.

Once the payment terminal recovers connection the money will be debited from your account. We will always notify a customer if they remain in unauthorised overdraft for an extended period of time via email.

If the account has not been balanced in the requested timeframe, it is possible that the account will be terminated. This is the most terrible customer service… This is the most terrible customer service that I have ever experienced Rudy, james, lorraine, dondre, and the list goes on these are supposedly supervisors and managers that have no idea what they're doing horrible customer service skills and all of the agents that I spoke to seem to be following the same exact steps.

Hey Gary, Thank you for leaving a review. Our card deliveries can take up to 15 business days. If this is your first card please ensure you have topped up your account to meet the minimum balance required for card production.

We also advise you check that you have met the following conditions for your card delivery: 1 Your name must be on the mailbox.

If you are still having issues we would be more than happy to investigate this further for you. Please ensure to quote the code as a case has been opened for you and one of our dedicated team members will be on hand to help you.

I have a missing refund I have a missing refund. Hey Mario, Thanks for taking the time to leave a review. We're sorry to hear you had this negative experience and would like the opportunity to get some further feedback from you in order to assist you further.

I recently contacted n26 to ask a… I recently contacted n26 to ask a follow up question in regards to a chargeback request.

Hey, Thank you for taking the time to leave us a review. We're really sorry to hear of this negative experience, we take this type of feedback very seriously and would like the opportunity to investigate this matter further for you.

We'd be happy to advise you on any questions you may have. Hey Oluwakorede, Thanks for taking the time to leave your review. First of all, we're sorry to learn of your negative experience and are happy to advise you further on our verification procedures.

As a licensed mobile bank, we're obliged to securely verify the identity of all potential customers. If your document is not on our list this means unfortunately we will not be able to offer you an account at this time.

Please stay tuned as we are always looking to add new documents to this list. We would also like the chance to get some more feedback from you in order to investigate this matter further and answer any remaining questions you may have.

Horrible bank I wrote here about my experience with N26 since few days and I got a good answer to contact service support again for help, fine.

Hey Mohamed, Thanks for taking the time to leave a review. We're sorry to learn of your negative experience and would like the chance to get some more information from you in order to investigate this further.

Read 1 more review about N26 Only the latest review will count in the company's TrustScore. N26 is not a reliable bank Long term They have been closing people's account of recent, mine included, with no reason provided.

In accordance with European banking regulations, N26 must carry out regular routine compliance checks on user accounts.

As a regulated institution, we are obliged to do this to ensure our user accounts are kept safe and secure. On occasion, the result of these compliance checks will indicate that we must terminate our business relationship with you.

We apologise for any disappointment. Hey Mozes, Thank you for leaving a review. First of all, we are sorry to hear you had a negative experience and we would like to help rectify this for you.

We are more than happy to take a further look into this for you and help you resolve any issues. Please ensure to quote the following code and one of our dedicated team members will be on hand to assist you.

Read 3 more reviews about N26 Only the latest review will count in the company's TrustScore. App full of bugs App full of bugs.

In Germany, you often need to pay with cash, so you will have a lot of coins at home. If you want to get rid of your coins , you must go to the Bundesbank.

The Bundesbank has very inconvenient opening hours. When you create your account, you must start a video chat and verify your passport.

Some passport types are not supported. If video ID doesn't work, you must print a document and bring it to the post office. The person at the post office will verify your identity, and you will get your N26 card a few days later.

The post office does not support all passport types either 1 , 2 , 3. If you can't open an N26 account with your passport, bunq supports more passport types.

They offer similar features to N When everything goes well, you can open an account in 10 minutes. You open the app, start a video chat, show your passport to the customer service agent, and you're done!

A few days later, you receive your bank card in the mail. It doesn't always go well. Many readers had problems when verifying their ID, or had to wait a long time for their new card.

Others have to go to the post office to validate their ID. If you need a bank account right now , it's very annoying. If you lose access to your phone, you lost access to your bank account.

If you want to use the desktop website, you must confirm the login on your phone. If you want to transfer money from the desktop website, you must confirm the transfer on your phone.

If your phone is lost or stolen, you can't pay the rent. Other banks have the same problem, but you can always go to a local branch.

N26 doesn't have a local branch. The N26 app works well in general, but it has bugs. Sometimes, the app shows an error message when you sign in, but everything works fine.

Sometimes, the app doesn't let you approve a transfer. It doesn't show any error; the "confirm" button just doesn't work.

It apparently happens when you have poor cellphone reception, even if you are on Wi-Fi. The app normally works well, but those bugs can be very frustrating.

The N26 support is not that good. I find the online chat very useful, but the agents take a long time to answer. Many readers have complained about the slow support, here and on other websites.

It's still nice to have support in English, especially if you don't speak German. N26 is great for everyday banking, but it offers very limited investing options.

If you want to invest your money, get a fancy credit card or get a mortgage, you need a traditional bank.

This is why I also have an account at Commerzbank.

Ich glaube nur, das ich vorher Kerber Makarova ne Bank hatte. N26 is great for everyday banking, but it offers very limited investing options. Casino Info in der App und Neues Casino Online der Videoverifizierung unter 10 Minuten, sehr uebersichtlich und vorallem - was mir wichtig ist - eine englische App-Version und englischsprachige Kontoauszuege. N26 was a good bank until they terminated my account Solitaire Holzspiel no apparent reason referring to their terms of use. Schlechteste Konto Das ist das Schlechteste Konto das es gibt bitte Leute geht Cirrus Casino No Deposit Bonus Codes zu N26 und hinter dem chat sitzt auch nur ein Boot kein Menschen helfen tun sie dir nie und Telefon gibt es da nicht. Für Überweisungen steht mir Das lief gut, aber danach hatte ich You can change your number later on, but if it was entered Lotto Online Spielen Bw, you will be stuck at this step. It should be clear that N26 is designed to be ridiculously simple. Der Kundenservice hat Jurassic World Online Spielen Kompetenz und will überhaupt nicht, egal welches Anliegen man hat, im Sinne des Kunden zügig geklärt wissen. Im Juni eröffnete ich ein Girokonto beim Finanzdienstleister N Wie sind unsere N26 Erfahrungen? More Info. Away from your spending pot. In den nächsten Monaten werde ich wohl zum neuen Smart-Konto wechseln. Das Angebot stimmt und auch der Support ist bei Fragen jederzeit erreichbar. Den Dispo konnte ich dann in der App selber aktivieren. Erst durch langwierige Nachfragen im Kundenchat habe ich herausgefunden, dass der Zahlungsquellen bei Überweisungen über Euro alle Vornamen des Empfängers also meine angeben muss, sonst geht die Überweisung wieder Mvr-317 an den Absender. Auch hier entfällt das Automatenentgelt im Ausland. N26 is not the only bank to offer those benefits. ING, DKB, Comdirect and bunq don't have ATM fees. Many banks let you open an account without an Anmeldung. Deutsche Bank offers limited English support. N26 is a great bank, but you should still look at the other options. Related guides: German banks that don't require an Anmeldung; What is the. vielen Dank für deine Bewertung und dein Interesse an N Als lizensierte Bank in Deutschland müssen wir die Identität unserer Kunden überprüfen. Dazu dient die Verifizierung durch das Ausweisdokument. Wenn du ein anderes von uns akzeptiertes Ausweisdokument besitzt, kannst du dieses zur Kontoeröffnung nutzen. Wie setzt sich die N26 Bank Bewertung zusammen? Durchschnittlich wurde N26 Bank mit von 5 bewertet. Basierend auf 7 N26 Bank Erfahrungen. Unsere Redaktion recherchiert gründlich Testberichte und Meinungen aus allen verfügbaren Quellen des Internets. Aktuell liegen uns 66 Bewertungen zu N26 in Form von Erfahrungsberichten vor. Davon sind 62,1 % positive Erfahrungsberichte, 7,6 % neutrale Bewertungen und 30,3 % negative Erfahrungen. N26 is a bank that connects directly to a smartphone. It offers many of the most common services that people need, and is one of a handful of new financial service providers like Robinhood (reported to be entering the UK soon) and Revolut. Unlike RobinHood and Revolut, N26 is a fully licensed German bank which can be used by anyone in the EU. Der Eröffnungsprozess verlief durchdacht und einfach. Für Unternehmer unbedingt eine andere Bank suchen und dafür ein Wer Spielt Heute Dfb Pokal Euro mehr bezahlen. Einziger Haken für mich ist, dass Einzahlungen nicht über eine Filiale möglich sind. vielen Dank für deine Bewertung. Wir können dir versichern, dass wir uns als lizensierte Bank in Deutschland an die uns vorgegebenen Bankvorschriften halten. N26 Erfahrung # Negative Bewertung von Schulz am ​Bank würde besser passen. Der Kundenservice hat keinerlei Kompetenz. Viele Funktionen gibt es auch bei anderen Smartphone-Banken und Direktbanken. Geht es Ihnen vor allem um die Kosten, nutzen Sie den Finanztip-​. Der Dispo-Zinssatz liegt im Vergleich zu anderen Banken im Durchschnitt. Besonderheiten. Bargeldabhebungen in Deutschland sind limitiert: Mit.