Created in 2013, N26 remains the leader of digital banks. This Berlin neo-bank currently has more than 5 million users, 1 million of whom are French. The opinions of Internet users are almost favorable. Precisely, why does it attract so many customers? What are its offers? Is it the best online solution? Let’s see the answers together in this guide.
Before choosing N26, I first checked the safety and regulation question on cryptonaute.fr. After my research, I found that it is:
As for use, your N26 account is linked to only one mobile device, which avoids the risk of piracy or scam. Only you can open your account.
As for online purchases, they are secured thanks to the security mechanism of Mastercard 3D secure. So you can place your order on any online store.
If this bank seduced me immediately, it is because it is very practical. All the procedures are carried out online, in particular from my smartphone. This is the case of registration which took me only 8 minutes on my mobile device. Of course, you can open your account on a computer. The formalities are the same.
As for the management, it is also done online. You can for example know the movements of your account, or configure your account on your mobile device. To do this, simply access your personal space.
If in doubt, do not hesitate to contact customer service directly. The latter answers your questions via email, call or social networks.
N26 offers you a price and interesting offers. Let’s take the example of its black Mastercard (you) card which appealed to me a lot, because card payments are free. It allowed me to save during my international travels, especially in European countries.
As for user comfort, this online bank is easy to use. A simple click is all it takes to access:
My first concern lies in the impossibility of buying shares. This mobile platform has no functionality allowing you to trade. Fortunately, it facilitates the transfer to my eToro account.
Not only ! the second disadvantage is the absence of a physical representative. Eh yes ! at some point you will need to speak with the staff, but unfortunately this is still not possible at N26.
In any case, the advantages far outweigh these minor drawbacks. That’s why ! I continue to use N26 until now.