N26 Mobile Banking

As with the N26 Online Banking post, this post will mainly be photos with just the odd comment explaining the screen shots. This is their Android App, I presume their iPhone app is similar design although I know they have fingerprint unlock feature on iPhone.

Logging in is easy with your email saved and you just need to enter in your password. You can also elect to set a pattern to use instead of the password on your device should you wish.

Once logged in you are displayed with a list of transactions grouped by day as well as your Current Balance. There is a tab for Invest but this is not available in Ireland yet.

As you scroll down, the balance updates to let you know the balance on that specific day. I have removed by balance from the screenshot but it is displayed to the left of the € sign.

Clicking the magnifying glass at the top of the transaction page allows you to search for a specific transaction.

Or you can filter by date and/or category.

Clicking the Menu bar on the left displays a pop out Menu. Here your full IBAN and BIC are displayed. There is a feature that allows you to easily share this via WhatsApp/Email/Text etc.

Clicking My Cards displays your card details where you can request a replacement card, reset pin and lock card.

You are also able to turn on and off payments abroad, online payments and cash withdrawals.

Under ‘Limits’  you can amend the daily limits on your account.

As I am a N26 Black Customer there is an option for N26 Black which will display the policy information as well as what to do in the event of a claim.

The statistics allows you see an overview of what you spent during the month organised by category. I haven’t fully got into the hang of tagging all my transactions but think I’ll start doing it as I can see myself finding the stats useful.

Clicking the menu on the top right allows you to see statistics about income as well as the ability to view and download statements.

Clicking the green ‘+’ on the main transactions screen allows you to start a new Request, MoneyBeam or Transfers.

When you select Transfer you are giving a list of your current payees to send money to.

Alternatively you can add a new recipient using their Name and IBAN.

You can then select which currency to transfer in. This is done in partnership with TransferWise.  I’ve no experience with doing this through N26 yet.

I haven’t had a chance to test out the other two options – Requests and MoneyBeam. Request allows you to request money from your contacts that have N26 account. They are then sent a notification which allows them to approve or deny the request. MoneyBeam allows you to send money using just a phone number or email address. If they already have a N26 account the money is transferred across. Otherwise they are prompted to enter in their IBAN and a bank transfer will be made.

Clicking the map icon on the top of the main transaction page displays a map with all the nearest ATMS marked on it. It’s seems to be quite accurate but some in shop ATMs are not listed.

Overall I really do like the N26 mobile app. I get instantly notified of every transaction on my account (this can be turned off) and the app does pretty much everything that I expect it to do. Hopefully N26 keep updating the app with more features and expand their online banking as well. What they’ve done so far is very good (in my opinion) – they’ve managed to keep it simple but functional.

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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