N26 is a German neobank offering mobile banking across Europe, known for its clean UX and transparent fee structure.
N26 maintains strong media momentum around Wero's European rollout and first full-year profitability, yet customer sentiment shows divergence: a 3.5/5 review average across 222K+ ratings is softening in recent weeks, while the NeoBase sentiment index stands at 89.9 (-0.4 week-over-week). The gap suggests headline wins aren't translating uniformly into user satisfaction.
Sentiment index
our score · updated every monthRatings across platforms
★ 3.8 · 224K · 3Where N26 operates
29 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformWhere N26's money came from and went
FY2025Show the figures as a table
| Line item | Direction | Amount |
|---|---|---|
| Revenue | Income and profit kept | €501.6m |
| Total inflows | €501.6m | |
| Cost of revenue | Costs and tax | €151.1m |
| Operating and other costs (incl. tax) | Costs and tax | €348.9m |
| Net profit | Kept | €1.6m |
Source: FY2025 results announcement · figures in millions, rounded · Compare with other fintechs
App screenshots
Google Play
In the media
brand coverageEuropean Digital Bank N26 Introduces Wero For Instant Payments In Germany, France
www.crowdfundinsider.com · 3w ago
European digital bank N26 has rolled out support for Wero, the pan-European instant payment system, inside its mobile app.
N26 embeds EPI's Wero in Germany and France
www.fintechfutures.com · 3w ago
German neobank N26 has gone live with the European Payments Initiative's (EPI) Wero to improve payments connectivity for customers in...
N26 Expands Instant Payment Offer With Introduction of European Digital Payment Solution Wero
financialit.net · 3w ago
N26 today launched Wero, the digital wallet and instant payment solution developed by the European Payments Initiative (EPI),...
N26 Rolls Out Wero for Instant Transfers Across Germany and France
fintechnews.ch · 3w ago
N26 launches Wero in Germany and France, letting customers send instant payments using a phone number or email address.
N26 Hits Major Milestone with First Full Year of Net Profitability and €501M Revenue
ffnews.com · 1mo ago
N26 achieved its first full year of net profitability in 2025, generating €501.6 million in revenue and €1.6 million in net income,...
Latest from social
LinkedIn & FacebookWhat people are saying
mentions on X, Reddit & FacebookLead Product Manager - Customer Due Diligence @N26 in Berlin
Senior Product Manager - Banking Scalability Platform @N26 in Berlin
About N26
N26 was founded in 2013 by Valentin Stalf and Maximilian Tayenthal in Vienna, later moving to Berlin. One of the first European fintechs to obtain a full banking licence directly from the ECB.
Frequently asked questions
Does N26 hold a full banking licence?
Yes, N26 Bank GmbH holds a full banking licence from BaFin (Germany). Deposits are protected by the German DGS up to €100,000 — the same protection as Deutsche Bank or Commerzbank.
In which countries does N26 operate?
N26 is available in 24 EU/EEA countries. It withdrew from the UK (2020) and the USA (2022). It is fully operational in Germany, France, Spain, Italy, Austria and across most of the EU.
What plans does N26 offer?
N26 offers: Standard (free), Smart (€4.90/mo), You (€9.90/mo) and Metal (€16.90/mo). You and Metal add travel insurance and higher ATM limits abroad. A physical card on the Standard plan costs €10.
Does N26 offer a savings account?
Yes, N26 Savings is an interest-bearing account at a variable rate — check the current rate at n26.com. Funds transfer instantly between accounts with no fees or minimum hold period.
How does N26 customer support work?
N26 offers in-app chat in DE/EN/FR/ES/IT. Phone support is only available on You/Metal plans. Standard plan users rely solely on chat. N26 has been criticised for slow response times when accounts are frozen.
Compare N26 with similar neobanks
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.
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