N26 review and feedback
It’s now 4 years that I travel with this bank: that is to say enough to give a clear opinion on N26. You may have already heard of it, it has been a hit with travelers for a while. And it’s easy to understand why to!
Easier to travel with
I made my first trip with my regular bank card. I realized that it was not going to be very easy to manage my money everywhere on the globe and especially expensive with it. After several searches, I turned to N26.
What is the advantage of N26?
N26 is a neo-bank Designed to make spending abroad as easy as possible and allow you to pay or withdraw free of charge in all currencies depending on the option you choose.
It must be said that the bank fees accumulated with conventional banks become a budget over time when traveling. Especially since some banks sometimes take up to 4% fees.
Why choose N26 as your travel bank?
In those 4 years, I have never had a single problem with this bank. It’s super convenient. I had never used this kind of bank before and I was still sceptical. I was afraid that I would often have to contact advisors for a variety of reasons. I almost never had to.
The few times I contacted N26, it was very simple. They have a live chat support that works 24 hours a day. They are very responsive and knowledgeable. I never had to worry about anything, not even suspicious samples or hidden fees on their part.
I also really like the very intuitive and convenient interface of the mobile app. All its options are very well thought out to manage its card and budget.
What can be done with N26?
- Create multiple sub-accounts
- See the history of its expenses automatically listed according to their sources (Money spent in supermarkets, hotels, gas stations, plane tickets, …)
- Change your card PIN code as you see fit (active in the second)
- Send and receive instant transfers for free (7/ 7 and 24/24)
- Lock your card in a few clicks
- Change your limits
- Enable/disable online payments, ATM withdrawals, NFC, contactless
- Be notified instantly of every transaction made
- Non-exhaustive list (…)
. - In itself, everything you expect from a bank card. With N26 you don’t care too much about managing your account, it’s still super convenient when traveling.
➡️ For the anecdote : my card was hacked (skimming²) in an airport in Malaysia. I received instant notifications on my mobile debit of large sums of money. I was able to lock my illico card and disable online payments. What is convenient is that you can also unlock it!
N26 is a crypto-friendly bank
Yes, you can do your crypto-activity with N26 bank. They are not really looking it, and you can play with large amounts of money without any questions from the bank (if you use regularly your card and not only for trading activity).
Ask for a second card
You can also benefit from a second credit card in case of theft or loss. Both are active and can be managed simultaneously on the mobile app.
I used the free card N26 Standard one year. I then switched to N26 Metal that I have in two cards and that has a complete insurance formula with Allianz. I present them to you* below.
All N26 cards are accepted worldwide.
N26 Standard
- COMPLETELY FREE
- Virtual card¹
- Fee-free payments
(in all currencies) - 3 Free withdrawals per month
(in Euro) - Access to live chat with an agent
- Monthly statistics
N26 Smart
- 4,90 €/MONTH
- Additional card
- Fee-free payments
(in all currencies) - 5 Free withdrawals per month
(in Euro) - Phone line(7/
7 – 24/24) - Access to live chat with an agent
- Monthly statistics
- Sub-accounts option
N26 You
- 9,90 €/MONTH
- Additional card
- Fee-free payments
(in all currencies) - 5 Free withdrawals per month
(in Euro) - Unlimited withdrawals with no fees
(in all currencies) - Phone line(7/
7 – 24/24) - Monthly statistics
- Sub-accounts option
- Insurance
- Medical cover
(up to €1,000,000) - Travel insurance
(up to €10,000) - Flight delay insurance
(up to €500) - Luggage insurance
(up to 2000 €) - Mobility insurance
(up to €20,000) - Pandemic coverage
N26 Metal
- €16.90/MONTH
- Metal card
- Additional card
- Fee-free payments
(in all currencies) - 8 free withdrawals per month
(in Euro) - Unlimited withdrawals with no fees
(in all currencies) - Telephone line(priority – 7/
7 – 24/24) - Medical cover
(up to €1,000,000) - Monthly statistics
- Sub-accounts option
- Insurance
- Travel insurance
(up to €10,000) - Flight delay insurance
(up to €500) - Luggage insurance
(up to 2000 €) - Mobility insurance
(up to €20,000) - Car rental insurance
(up to €20,000) - Phone insurance
(up to €1,000) - Pandemic coverage
After these two years of use, I have no reason to change banks. I use it all the time since I don’t live in France anymore. It is perfect for traveling, here is my opinion on N26 ! So convinced?
✧ Registration is very fast, barely 10 minutes in the lead. The receipt of the card is also, less than 5 working days or 24 hours in expedited mailing. You will need to complete a transaction to validate your card.
✧ You need to know that if you use the button above to order your new card, I will take advantage of the referral option of N26 But it won’t change the price you have to pay.
LEXIC
¹ Virtual card : Payments are made via the phone but it is possible to order a physical card for 10 €. (↑ Back)
² Skimming : Hacking system introduced in an ATM or a payment terminal to copy the information of a bank card. (↑ Back)
* Cards : On the lists are only the main options, they are therefore non-exhaustive. (↑ Back)
