N26 Internet Banking Overview

I’ve been using N26 as my main current account now for a few weeks and have over all been very happy with it. There are still some issues that need to be resolved but I will continue to use it for my day to day banking. This post will cover the N26 online banking. I will cover N26 mobile banking soon as well as an overview of how I find N26. This post is mainly pictures but I figure it be useful for people who are on the fence about moving to see how the internet banking works.

Logging in involves entering in your email and password. Nice and simple compared to KBC but arguable not the most secure.

Once logged in you are greeted with your recent statements grouped by day. You also get a overall balance for each individual day. At first I didn’t like the way the transactions are displayed but as I’ve gotten used to it its grown on me. Under the transaction name there is a editable category of transaction e.g. Income, Shopping or Bars & Restaurants.

Clicking the transaction brings up a sidebar which displays more information. Here you can see the original value and exchange rate used if the transaction was in a foreign currency. You can change the category of transaction and add tags to the transaction.

Selecting to change the category brings up a pop-over with a list of 22 categories. You don’t seem to be able to define your own categories.

There is a search function which is very handy for locating specific transactions.

You can also filter the transactions by category.

There is an option to export the transaction to CSV. Clicking this displays a pop-over where you can select which date range to export.

Then there is a statement tab which allows you to view and download statements in PDF format. They also display preliminary statements for the current month.

The transfer page is quite simple. To complete a transfer you just need to enter in Recipient Name, IBAN, amount and transfer code as well as an optional reference. The transfer code is set when you are opening the account. This will create the transfer but you still need to confirm the transfer from your paired mobile phone. A notification will appear on the phone and when you select it the N26 app will appear. You must log in and then confirm the transfer.

You cannot add payees without making a transfer to them. However, once you make a transfer the payee is automatically saved in your contact list. You can quickly fill in the recipient and IBAN details by clicking the + beside the contact. If you use a payment reference it will not be saved as a default with the contact. I have BOI CC saved as a contact to pay my BOI credit card – I must remember to manually add my credit card number to the payment reference for each transfer.

There is also the option to turn the transfer into a standing order by ticking the box. Then you must select a start date and frequency – either weekly, monthly, every 3 months, every 6 months or annually. You can also select an end date or number of occurrences.

The card tab allows you lock and unlock your card, reset the PIN and order a replacement card. You can also select to turn on and off Foreign Transaction, ATM Transactions and Online payments for added security.

The account page is where you can change all your settings.

The support tab displays the support articles. I haven’t been able to find a email address to contact them on, although to be honest I didn’t exactly look too hard. I’ve use their live chat twice and found I was connected quickly (within a couple of minutes) and they were helpful.

The final tab statistics is currently under maintenance.

Overall N26 online banking is simple to use and has most of the features I look for. The main features I would like to see added are:

  • Ability to add payees without making a transfer
  • Save a default payment reference with contact details for account details when paying bills
  • Add your own categories
  • Ability to view direct debits set up on the account.

 

In the interest of full-disclosure, links to N26 are affiliate links. Should you click through to N26 via my affiliate link and sign up to their bank account I will receive a small commission payment. These affiliate payments have no impact on my reviewing of the product. If you believe I have been influenced by the potential commission when reviewing a product please call me out. 

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