Reduced Features Over Time: N26 introduced fees and limitations, diminishing long-term benefits.
Limited Free ATM Withdrawals: Free withdrawals are capped; exceeding incurs fees.
Account Creation Challenges: Some users face verification delays and post office visits for identity validation.
Two-Factor Authentication Dependency: Access hinges on mobile two-factor authentication, risky if the phone is lost.
Coin Deposits Difficulty: Large coin deposits are challenging; users must exchange coins periodically.
Limited Services: N26 primarily suits daily banking, lacking advanced investment, credit, and mortgage options.
Slow Customer Support: Complaints about sluggish customer support response times persist.
Incomplete Translations: Some app parts may remain in German, despite overall English availability.