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.
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