N26 Launch Savings Account Paying 1.30% to 2.50% less fees

patjohn said:
I’ve changed plans and was sent new card. Previous card removed from app automatically.
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Can I ask, did it take long for the team to close metal account? It's been 8 days now for me... Can't order replacement standard card until 'external team close metal account'.
 
ACER10 said:
Can I ask, did it take long for the team to close metal account? It's been 8 days now for me... Can't order replacement standard card until 'external team close metal account'.
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I pay monthly and downgraded from ‘metal’ to ‘smart’ plan through app. Happened straight away. New card issued automatically free of charge and arrived in a couple of weeks. Must be a different process when going from paid plans back to free (standard).
 
patjohn said:
I pay monthly and downgraded from ‘metal’ to ‘smart’ plan through app. Happened straight away. New card issued automatically free of charge and arrived in a couple of weeks. Must be a different process when going from paid plans back to free (standard).
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It's strange: I want to move from Metal to Standard. Through app, you click modify membership, and it all sounds like it should be immediate, but then you are brought to a page that details you must contact through Chat. Chat send you a message and you must type YES in agreement. Then you have to wait for external team to complete the action. Waiting since Oct 23rd. Have asked support numerous times, and they said it is in process.

In terms of old card, I had this answer from N26 chat support:
"As for the card, you have signed up with the old terms and conditions where the transparent card was free of charge and since you upgraded it became inactive. If you have signed up with the new Terms and had a standard free account in which you pay 10 Euros to receive a physical card and upgraded after, you would still be able to use it since you paid for it. You could have two cards in this case plus the Virtual one." N26 chat support
 
ACER10 said:
It's strange: I want to move from Metal to Standard. Through app, you click modify membership, and it all sounds like it should be immediate, but then you are brought to a page that details you must contact through Chat. Chat send you a message and you must type YES in agreement. Then you have to wait for external team to complete the action. Waiting since Oct 23rd. Have asked support numerous times, and they said it is in process.

In terms of old card, I had this answer from N26 chat support:
"As for the card, you have signed up with the old terms and conditions where the transparent card was free of charge and since you upgraded it became inactive. If you have signed up with the new Terms and had a standard free account in which you pay 10 Euros to receive a physical card and upgraded after, you would still be able to use it since you paid for it. You could have two cards in this case plus the Virtual one." N26 chat support
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Ok.. just an update. Just received a message from N26 now that metal has been cancelled. I received €108.30 refund immediately, so that was backdated to Oct 23rd. The refund has N26 logo and you have to click into it to see that it is the refund.
 
ACER10 said:
Ok.. just an update. Just received a message from N26 now that metal has been cancelled. I received €108.30 refund immediately, so that was backdated to Oct 23rd. The refund has N26 logo and you have to click into it to see that it is the refund.
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Ok.. final update with a good result.
Once metal request was followed up by the external team, support chat advised me to order new card through the express post option of €25. I then contacted chat and they refunded the €25. I expect to have Standard card by Tuesday or Wednesday.

Knuttell said:
When did you upgrade to Metal?
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July 17th, but without a card until Sept 8th. Eventually received 3 x metal cards but all out of date by the time they were delivered. N26 agreed to post final one by express post.

@patjohn
Yes - different system for going from metal to standard. Also I had paid annual fee, so can confirm now no problem getting refund and it is figured out on a daily rate.
 
ACER10 said:
In terms of old card, I had this answer from N26 chat support:
"As for the card, you have signed up with the old terms and conditions where the transparent card was free of charge and since you upgraded it became inactive. If you have signed up with the new Terms and had a standard free account in which you pay 10 Euros to receive a physical card and upgraded after, you would still be able to use it since you paid for it. You could have two cards in this case plus the Virtual one." N26 chat support
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Thanks for the updates and glad to hear that you got it all sorted.

The explanation given stacks up. I paid €10 for my standard transparent card (March 2021) so that explains why it remained active after I upgraded to Metal.

In fairness their paid support it pretty good. I'm in two minds about retaining Metal. I have reduced my savings balance by 90% as I got a better rate elsewhere and could easily move the remainder. But I've been using the card a lot when overseas and having reliable support available is a big advantage. Question is whether or not it's worth €168pa. I've no use for the travel insurance etc.
 
The Metal card looks nice and it gets a high rate of deposit interest, but I want to try it in an ATM and it was too thick to fit in!
 
Is anyone having difficulty confirming their address with N26? I've contacted them online and they are saying to delete the app and reinstall but all software is up to date and this feels like a generic 'turn it off and back on' kind of response. My address hasn't changed, the interface just doesn't like it anymore.
 
MoolaMgr said:
Is anyone having difficulty confirming their address with N26? I've contacted them online and they are saying to delete the app and reinstall but all software is up to date and this feels like a generic 'turn it off and back on' kind of response. My address hasn't changed, the interface just doesn't like it anymore.
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Oh yep.. I was going in circles on this for hours on end. I had this when I changed to metal in July. I had to re-verify, uninstall, reinstall, etc. Typed my address so many times to customer chat. Wrote email messages. Made phone calls. It is because of the way they ask for the address details. They required house no. Put '0'. Eircode will always be in the wrong place.
You can sent a complaint, but I haven't heard back yet.

Not all customer chat people have the same level of authority. Once I asked for a manager, then I got better results. After 3 metal cards arriving late, the manager was able to post by express mail with N26 paying the cost. Likewise I didn't want to be in the same situation when I changed back to Standard card. By chatting on phone to manager, he put it in my notes that the standard card would be sent by express for free. I paid €25 and received €25 refund.
 
ACER10 said:
Oh yep.. I was going in circles on this for hours on end. I had this when I changed to metal in July. I had to re-verify, uninstall, reinstall, etc. Typed my address so many times to customer chat. Wrote email messages. Made phone calls. It is because of the way they ask for the address details. They required house no. Put '0'. Eircode will always be in the wrong place.
You can sent a complaint, but I haven't heard back yet.

Not all customer chat people have the same level of authority. Once I asked for a manager, then I got better results. After 3 metal cards arriving late, the manager was able to post by express mail with N26 paying the cost. Likewise I didn't want to be in the same situation when I changed back to Standard card. By chatting on phone to manager, he put it in my notes that the standard card would be sent by express for free. I paid €25 and received €25 refund.
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complaints@n26.com
 
ACER10 said:
Just to follow up. I ordered standard card on Friday. N26 agreed to send by express mail. Card received this morning (Tuesday) through DHL. That was pretty impressive. Wasn't expected until Nov 11th.
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Yes but you had to request for express mail and then also for the cost to be refunded. I've been there too in the past with N26 on downgrading from one of the premium plans back to basic. Also 3 premium cards arriving late for you.... they seriously need to up their game.
 
ardmacha said:
The Metal card looks nice and it gets a high rate of deposit interest, but I want to try it in an ATM and it was too thick to fit in!
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I forgot about that. It happened twice when I received card. It was too thick for the ATM slot in the petrol stations. Hasn't happened since so I assumed I was not using it correct.
 
ClubMan said:
How is it even possible to use a card in an ATM incorrectly other than using the wrong orientation for the chip/magnetic strip?
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Not sure @ClubMan.
It wouldn't work at petrol station ATM. Wouldn't fit into the slot. Worked a few days later in Bank ATM.
(Natural default for my brain, was that it 'must have been something that I did wrong'.)
 
Cutting their rates again in January. Metal rate cut by half a percent to 2.5%.
I’ll be looking elsewhere to move my money think I’ll be a year on metal next March so will look then.

Can only think they don’t want all the deposits they have since launching at 4% earlier this year.
 
if you signed up for a year with the n26 account on the 4 percent rate, can you get a refund of the 168euro euro for the months you dont use,for example if you downgrade to a basic free account now?
 
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