Rejected by N26 but don't know why

A

AlastairSC

Registered User
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I applied for the first stage of opening an account with N26 - email, DoB, mobile number etc. Received this today:

Thank you for your interest in N26.
We couldn't confirm your application to open a new account since your user information could not be validated.
Thank you for your understanding.

That seems to be the end of it from their point of view. No opportunity to submit ID, verify email, SMS to mobile or any other validation steps. Why is this? They don't say what didn't work, so I am in the dark. I contacted an agent via chat and after inputting email, DoB etc again, the same ending -

We reviewed the information you provided and must inform you that according to our current verification procedures, we're unable to offer ........

and with that, the agent closed down the chat! No opportunity to ask why. I find this baffling and, if I'm honest, upsetting too. I've two other bank accounts and credit cards, all operating successfully for 25 years or more.

I cannot find a mechanism to explore this further. Am I the victim of identify theft? In what way are my email address, DoB and phone number acting against me? How can I take this further? All advice from wiser heads welcome.

ASC
 
Last edited:
Also, the fact that they just hang up on you seems pretty nasty and disrespectful to say the least.
 
Is the Ombudsman competent?

Central Bank website says N 26 is a "credit Institution authorised in another Member State of the EEA which has notified the Financial Regulator of its intention to provide deposit-taking and other services in the State on a cross-border basis."

AFAIK an entity has to be authorised by the Central Bank itself for the Ombudsman to get involved.
 
Hi Coyote

Never thought of that.

[broken link removed]

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* We can only discuss account related matters from an email address registered with the N26 account
 
AlastairSC said:
I applied for the first stage of opening an account with N26 - email, DoB, mobile number etc. Received this today:

Thank you for your interest in N26.
We couldn't confirm your application to open a new account since your user information could not be validated.
Thank you for your understanding.

That seems to be the end of it from their point of view. No opportunity to submit ID, verify email, SMS to mobile or any other validation steps. Why is this? They don't say what didn't work, so I am in the dark. I contacted an agent via chat and after inputting email, DoB etc again, the same ending -

We reviewed the information you provided and must inform you that according to our current verification procedures, we're unable to offer ........

and with that, the agent closed down the chat! No opportunity to ask why. I find this baffling and, if I'm honest, upsetting too. I've two other bank accounts and credit cards, all operating successfully for 25 years or more.

I cannot find a mechanism to explore this further. Am I the victim of identify theft? In what way are my email address, DoB and phone number acting against me? How can I take this further? All advice from wiser heads welcome.

ASC
Click to expand...
Hey man, I’m facing the exact same problem. Just wondering if you found out what the problem was.
 
18 Yr old daughter had exactly the same rejection. Absolutely no reason for them to fo so.
 
tomxavc said:
That’s incredibly weird, especially the fact that they can’t tell you what the problem is.
Click to expand...
I just tried creating an account again using my own Tax ID but a different address, name, email address etc, and it worked.
 
tomxavc said:
I just tried creating an account again using my own Tax ID but a different address, name, email address etc, and it worked.
Click to expand...
Be very careful

Vulnerable Person who opened an account using a fake name now struggling to withdraw cash using his real name

Hi all Looking for some advice here on a tricky situation. My father (who suffers from mental health issues) set up accounts with the EBS in the 80's under a name that wasnt his with no address on the accounts (due to paranoia that he was medicated for). The EBS did not ask for any ID or proof...
www.askaboutmoney.com
 
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