Number26/N26 Mastercard/Account now for Irish Residents

Im with Kbc which are excellent in every respect. I opened account with N26 ( after great difficulty with their cumbersome Passport ID Validation requiring many many attempts) I Would not stay with N26 for following reasons:. Their customer service is a disaster. Completely understaffed and incompetent at resolving issues. Their chat function is very protractedand very frustrating. Their dedicated phone number ( only for premium fee paying customers is non- existent for Irish customers anytime I called)They also have a tendancy not to answer specific questions asked on a chat but cite terms and conditions. When pressed they give conflicting answers. It is extremely frustrating dealing with them. They completely wrecked my head.

The only positive is their phone app. But if you have problems you can not phone or call into branch but only use their chat function.

KBC are a pleasure to phone or deal in person in contrast. BOI are also excellent.

When I wrote to complain about a matter they decided to remove a promotion I had availed of for a free premium account for 12 months eventhough I just signed up a month ago and should have 11 months left. They had no justifiable reason for doing this other than I complained about a matter.

What next. Will they close my account? Thank god I have no balance with them.

Would not do my day to day banking with them after this.

You're on your own if you run into problems with N26. I wouldn't have confidence in them to easily resolve a problem.

Look at other people's reviews who have dealt with them and make up your own mind. Their app is quite good in fairness.

Their N26 YOU current account is bad value at €9.90 per month...

N26 Metal is expensive too.

You have to pay for your physical Mastercard.

I have Revolut and N26, promised myself that I wouldn't start collecting fintec apps and cards, but I am waiting for Vivid to launch here, and then I will sign up. I emailed them a year or so ago and they replied that they expected to be here by the third quarter of this year, but nothing was concrete especially with covid affecting everything. Still no sign of them. They seem to be very good all round, but I guess they will also have issues. Revolut won't allow transfers to a few (if not all) crypto exchanges. They also have other issues that I can't think of off the top of my head. I had noticed (and think I mentioned it in this thread at the time) that N26 were marking some banks as not available for sepa, or something similar, but I hadn't realosed that was the beginning of them charging for instant transfers. Hopefully vivid comes sooner than later, and it fixes a lot of the issues experienced. I'm not naive enough to think it will be the greatest banking solution of the modern age etc. But from what i have read, it seems to be a lot better organised than the two mentioned. Maybe it took their products as a step to start.

Anything to do with their inability to follow money laundering rules?

Happy to have it back and a new card issued. Pretty sure any interest - if there were any - would be negligible. I have other battles to fight.

Seems they also closed the refer a friend option in line with the regulation

Thanks for that, just surprised it wasn't asked for when opening account initially but thanks for the clarification 😏

They did it over the phone. Got fobbed of by a few of them before one finally knew what to do.

If they put it in manually themselves, i assume via different software, it is fine.

That message is from the software only and does not mean they cant use differetn IBANs at all. Just that their software doesnt allow it.

Its a software issue. You have to get through to someone who either has permission to bypass the IBAN filter or who uses a different system to input it.

Eventually after explaining to several different people on the phone I got someone who was able to update the IBAN without that check preventing them.

All they have to do is fix their software and this wouldnt be an issue.

I'm not quite getting your obsession with this. A poster posed a litigmate question, I responded as best I could based on my long experience working in the industry, you jumped on my response, I explained I'm not claiming to be correct but pointed out, just because customer care, send a customer to a shop (mostly franchise with limited access to back end systems) does not mean the issue can or will be resolved.

I lost count the amount of times, working in this industry were customers essentially rushed off the phone and sent somewhere else to resolve an issue, knowing full well the issue can not be resolved at store level. This incidently is not solely an approach taken by mobile phone companies.

Aside from the obvious, there's been numerous posts, queries and frustrations raised not just on Boards but elsewhere about the difficulties in getting companies to accept non Irish IBANS for the purposes of DD and despite legislation forbidding this.

Wether your not aware of this or deliberately trying to create something out of nothing, I'm unsure.

I've respected your opinions and indeed thanked you for advice , why you've now latched onto this is a mystery.

I reiterate, Network Retail stores are primarily Franchise, Have limited access to certain functions, Have limited ability to resolved complex billing issues.

I've not said a Vodafone store can not resolve this issue, I've said I'm very doubtful they can.

Move on, this is getting Tiresome and cut out the F***, no need for it.

Yes indeed , I might go myself 🤣 I'm sorry I even commented