The process of getting a valid dispute processed is basically like a “guilty til proven innocent situation”. They will deny and not even attempt to call the company before you have to lose your patience. Since I work in customer service I’m usually veryyyyy lenient with reps because I get it. But man when your missing 100+ dollars it’s hard. To bad honestly cause I love the deposit process. It’s the only online account faster than Chime. Albeit only by a few hours but it makes a difference. I love the bank but I want to feel like my money is safe and if I am not refunded or if they can clearly see I have monies taking out but no product received or the actual company is telling them “hey we haven’t sent refund out yet pls dispute it” or the order was cancelled I need to feel confident that my bank has my back. And sadly I know that’s not true here. At least with my chime they would give me a credit and if dispute cancelled I paid the credit back or vice versa. Anyway fingers crossed I can get this situation rectified and update this comment. But I won’t hold my breath after seeing the Reddit page. Signed loyal to a fault. 🥲

I want to order an additional card. I contacted support for a third time already. Two times they copy-pasted steps I could easily find online. Bit I don’t have this button (Order additional card) in my app at all. The first time chat closed completely after I told that there is no option of adding a new card in my app UI. I had to start over with new chat, no previous history is saved. The second time support person ensured me that they escalated the issue and I’ll be contacted back — this never happened after two days (am i supposed to wait longer, a week? maybe give them more time like 90 days to respond? or just go to another bank?). The third time I reached out to support, the chat function simply broke — when I hit send button for my message, it disappears from the input box but does not appear in the chat history, i.e. is never sent. So is support person — i don’t get any messages from them anymore. I guess i will have to start over again.Don’t be too hopeful for this bank. It’s just a regulatory banking startup like many others who are trying to cut as many costs as they can with many limiting rules (like cash withdrawals) and paid plans. However, the quality of customer support does not justify opening a paid plan with them. I’d rather stay with free plan here and don’t expect them to be helpful when any problems arise. Advice: have multiple free accounts opened at several startup banks or get an adequate serious bank with decent track history.

After having used this as my primary bank for a few months once Simple announced they were shutting down, they randomly required me to do a new ID verification. One problem: both my license and passport had just expired, and this was right before a banking and federal holiday. No biggie, I thought, I’ll just try and reach out to their customer support to see if there’s any other ways to verify my identity to be able to oh idk log in and check my account balance. Good luck getting a hold of anyone!! I went almost a week without being able to check my account balance and got very familiar with the check balance features of ATM’s again. Once state facilities opened back up after the holiday I went in and got my license renewed and got the temporary license while I wait for them to mail my new ID (at least 2 weeks). I also finally got in touch with someone at N26 after several hour-long hold sessions. They refused to assist me and told me if I didn’t have a valid plastic ID in 3 business days they would cancel my account. What??? That’s way fewer days than it takes to actually get a valid ID! I pleaded with them, but they refused to assist me further. I immediately offloaded all my money to a cash app card and sprinted to my nearest local bank and opened an account. Don’t trust these folks with your hard-earned dollars. If I hadn’t been able to figure this out in time I would have been fully screwed and starving.

I used N26 banking for about a year. Everything worked fine and no money ever went missing or anything like the other reviews fortunately. But, I ran into a problem and got my account closed even while talking to customer support. So, I got a notification saying I needed to verify my email by 7/9 so I went to do it this morning. I verified my brand new driver license (just came in the mail yesterday) and took the promoted photos and the system rest itself. I did this again, twice and was locked out. I sat on the phone for about 25 minutes the first call, and my customer service rep was helpful told me it had something to do with my image quality. Okay; maybe I just made a mistake. So I try again; same issue, this is how my morning has been for the past 3 hours. About 5 minutes ago, the final CSR I spoke with let me know that I have tried to verify too many times, and that my account would be closed. I was following the instructions to a tee, and got my account closed and now my savings is gone. I am aware I can try to get my savings but now I have to go through the process of starting a new bank account; waiting to be mailed a new debit card, and reaching out to all the employers I’m supposed to receive money from and let them know my account was closed for something that was not my fault AT ALL. Do NOT download this app or give them your time or service because they do not care at the end of the day.