N26 is a German neobank offering mobile banking across Europe, known for its clean UX and transparent fee structure.
N26 maintains strong customer satisfaction (4.4/5 across 382k ratings) despite a moderate sentiment dip (-5.2 points to 85/100 this week). Media coverage remains decidedly bullish—centered on leadership stability, profitability milestones, and geographic expansion—signaling confidence in operational turnaround. The disconnect suggests institutional optimism hasn't yet fully permeated customer perception, or recent positive developments are still consolidating into user-level sentiment shifts.
Sentiment index
our score · updated weeklyWhere N26 operates
29 marketsRatings across platforms
★ 4.4 avg · 382K ratings · 3 platformsRating distribution
All platformsCompany responsiveness
In the media
brand coverageN26 hires CTO Marcin Pakulnicki from ING
www.fintechfutures.com · 5d ago
Marcin Pakulnicki is leaving ING to join N26 as CTO - read more about the technology leadership transition here.
financialit.net · 5d ago
N26 today announced two senior executive appointments, which will further reinforce the company's position as a leading European digital...
N26 Strengthens Pan-European Operations with New Centre of Excellence in Madrid
ffnews.com · 2w ago
N26 today announced the opening of its new European Centre of Excellence in Madrid, strengthening its pan-European operations.
N26 hits profitability following leadership shakeup
sifted.eu · 3w ago
Digital bank N26 reached its first full year of net profitability in 2025 after facing management and regulatory challenges.
N26 hits full-year profitability under new leadership team
www.finextra.com · 3w ago
German digital bank N26 has surpassed €500 million in revenue and secured its first full year of net profitability after a leadership shake...
Latest from social
LinkedIn & FacebookWhat people are saying
SampleAnyone else having issues with N26 verification today? Been stuck for hours 😤
Mixed feelings on N26 lately — love the product, but the latest update changed a flow I relied on.
Mixed feelings on N26 lately — love the product, but the latest update changed a flow I relied on.
Mixed feelings on N26 lately — love the product, but the latest update changed a flow I relied on.
If you're comparing neobanks in 2026, N26 keeps coming up in every conversation I have.
Company
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.
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.