What happens when your N26 MasterCard gets blocked..

I’ve been using my N26 Black account as my main current account now for a few months and love it. The MasterCard has been accepted almost everywhere and the exchange rates have been very competitive. On my recent trip to America I experienced one issue – the MasterCard was blocked. I used it daily without issue and then suddenly it started getting declined. I rang the number on the back of the card however it is not open 24/7.

Their opening hours are: 

Monday – Friday 7:00 – 21:00
Saturday 8:00 – 20:00

I am pretty sure these are based on the Berlin time GMT +2. It’s worth noting on their website they list an Irish phone number +353768887666, while on the back of the MasterCard it just lists the German number.

In the end, I just used my Revolut card for the rest of the day until customer support opened. I went on Live Chat on their website and explained the issue. As it turned out, it was my fault the card was blocked – I tried to put a €5k transaction through which pushed it over the daily limit. Once they unblocked the card everything was working again perfectly.

It’s nothing too serious and was quickly fixed but highlights the importance of never having just one card when travelling and the downside of not having 24/7 customer support. I imagine if N26 continues to grow, eventually they will offer 24/7 support. I’ve had similar issues with AIB except they decided to completely cancel my debit card when I was in the states and post out a new one to my Irish address, so its not just a N26 problem.

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. 

3 comments

  1. Do you know by any chance is there option to raise daily limit? Specially on them’s Black product…
    Have you noticed any limits or troubles on Revolut?

    Thanks for the output!!

    1. I d0n’t think there is. You can adjust the limits but only in a certain range. Daily Withdrawal between €0 – €2,500 and Daily Transaction between €0 – €5,000 both have a fixed monthly limit of €20,000.

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