N26 Discussion & Feedback


#1627

I bet the “brief period” is because they have their system set up for Eurozone countries and have to change it so that UK users will get charged the 1.7% while in Europe


#1628

Yeah I bet

When I asked when the change would take place they didn’t know :man_facepalming:


(j) #1629

Not sure if this has already been answered (thread is kinda long now) but if you subscribe to metal for the duration of the 12 month contract do you get to keep the metal card at the end if you don’t renew for another year?

Also when are we going to be able to add Payees and view/manage direct debits from in-app,those are the two things N26 are sorely missing at the moment.


#1630

The short version:

After the cancellation (or lapse if the account is not renewed at the end of the 12 month term) […] N26 will provide you with a new card of the N26 standard account within 30 days after termination of the Metal account, which needs to be activated within another 30 days after receipt. Please note that N26 will block your N26 Metal card after the activation period expired.

The long version:

5.4 Consequences of Termination
After the cancellation (or lapse if the account is not renewed at the end of the 12 month term) of your annual contract for a N26 Metal Account the remainder of your contractual relationship with N26 remains unaffected - you will (unless you or we have terminated our entire banking relationship) remain the holder of a current account with N26 but this will revert to the terms applicable to our standard current account. You will no longer enjoy the special benefits of the N26 Metal Account as listed in Clause 1.1 of these N26 Metal Special Terms and Conditions. In case you are downgraded to a standard N26 account, N26 will provide you with a new card of the N26 standard account within 30 days after termination of the Metal account, which needs to be activated within another 30 days after receipt. Please note that N26 will block your N26 Metal card after the activation period expired. The termination of your premium account membership affects the amount of Spaces you can open up and use at the same time, as well as your insurance coverage. Once your premium account closure becomes effective, we will keep the first two (2) Spaces you opened and will close all other Spaces automatically. Any balance on the closed Spaces will be transferred back to your N26 Main Account.


(j) #1631

Thanks for that chapuys,disappointing that they would purposely cancel it and go through the hasstle of sending you a new card.

Even though I really want a metal card I don’t think I can justify the cost in that case as I don’t see me benefitting from its perks…shame.


(Jamie 🏳️‍🌈) #1632

If the metal card is to be seen as ‘premium’ N26 really does need to protect it by stopping others from having a metal card if they haven’t paid for it. If it was as easy as signing up for a free trial, metal would lose its cachet.


(Lyes Bouakaz) #1633

I’ve had a reply from N26 this morning regarding the credit checking.

Good morning,

I have some feedback form the legal team for you.

They have said that the check should not affect your Schufa rating.

We do not communicate any information to them.

More information can be found in our privacy policy that I have attached for you.


(#savetheseabass) #1634

That’s handy if you want credit in Germany


(l8n.me) #1635

Oh, that’s such a relief. I was so worried about my Schufa rating.

Nothing to see here people, carry on. Schufa ratings are safe…


(Jonathon) #1636

What the heck is a Schufa rating?

It’s now just dire how bad N26 are at operating in an environment outside mainland Europe. It’s almost embarrassing.

PS. I’ve had no responses yet.


#1637

I’m unable to close my account with them :rage:
Asked them to close my account in November - account is still open…
Waiting for reply since 7 January…


(Jonathon) #1638

Good luck!


#1639

Outside Germany, you mean. Like when they send me emails saying to reply to them until “today, 18:00” as they want to know my source of funds (which is weird in itself as I only use N26 to pay for Netflix) and then lock my account at 17:00

Their answer is that the 18:00 was in “German time” and that now I know for future reference they work on “German time”, when they didn’t specify any timezone.

So maybe if I have a Santander account I have to know that if their branch closes at 4pm, thats maybe Spanish time and I have to do the math


(Rob Crawford) #1640

I’ve just had this response, much more conclusive than the one above:

If it’s too small to read:

“I can confirm that as part of our enhanced sign-up process, we recently perform ‘soft’ credit checks on everyone who opened an account with us. This is pretty standard when opening a new bank account, however there was a mistake and a ‘hard’ check was performed on some customers. I want to reassure you that we are already reversing this. This can take a few weeks, but this will not affect your credit score once removed from your account.”


#1641

Wow, will be interesting to see if I get the same response.

Out of interest, did you chase them up again, or did they come to you?


(Richard) #1642

Still nothing from them here…

But good to see they are responding to it.


(Rob Crawford) #1643

I first emailed them on the 12th and was told it was “being looked into”. I chased them up a week later on the 19th and got the above response today.


#1644

Wow - that’s an actual sensible response. I’m a bit taken aback


#1645

Just received this response. Got to say, very happy with their response!

Hey Tommy,

I hope you are well!
Thank you for your patience for this reply.

I can confirm that as part of our enhanced sign-up process, we recently perform ‘soft’ credit checks on everyone who opened an account with us.
This is pretty standard when opening a new bank account, however there was a mistake and a ‘hard’ check was performed on some customers.

I want to reassure you that we are already reversing this. This can take a few weeks, but this will not affect your credit score once removed from your account.

We’re very sorry for any inconvenience or confusion this has caused you and confirm that no future credit checks will be performed without informing you first.

Once again, we’re very sorry.

Have a great day,

Charlotte


(Jonathon) #1646

Charlotte just emailed me the same too.

The first decent bit of information I’ve had from them that makes sense.