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Number26/N26 Mastercard/Account now for Irish Residents

1454648505177

Comments

  • Registered Users, Registered Users 2 Posts: 745 ✭✭✭vectorvictor


    user1842 wrote: »
    Usually the card number is put in the reference field.

    Second this. Probably quicker transferring a fiver and finding out that way than trying to get an answer out of the banks !


  • Registered Users, Registered Users 2 Posts: 5,824 ✭✭✭The J Stands for Jay


    TheChizler wrote: »

    I can pay my AIB credit card from a different Irish bank using this method, but for some reason they reject payments from international accounts. No harm (if you can spare a couple of days without the money) trying and if BoI reject it they reject it.

    On what basis are AIB rejecting payments?


  • Closed Accounts Posts: 783 ✭✭✭nsa0bupkd3948x


    I pay my BOI card from N26 without issue. Both direct debit and once off payments.


  • Registered Users, Registered Users 2 Posts: 9,485 ✭✭✭TheChizler


    McGaggs wrote: »
    On what basis are AIB rejecting payments?
    That's all they told me, that they don't accept non Irish IBANs for receiving credit card payments from.


  • Registered Users, Registered Users 2 Posts: 5,512 ✭✭✭Wheety


    Fair play to N26. Received an email from this morning at 7am saying I didn't have enough for an upcoming direct debit. It's for the LPT. I had the money in a space and had planned to move it to the main account but just forgot. Don't think my Irish bank would do this? €3 charge for an unpaid DD, which I think is much cheaper than traditional banks anyway.


  • Registered Users, Registered Users 2 Posts: 10,905 ✭✭✭✭Bob24


    Wheety wrote: »
    Fair play to N26. Received an email from this morning at 7am saying I didn't have enough for an upcoming direct debit. It's for the LPT. I had the money in a space and had planned to move it to the main account but just forgot. Don't think my Irish bank would do this? €3 charge for an unpaid DD, which I think is much cheaper than traditional banks anyway.

    You’re right, your Irish bank wouldn’t do that although it is technically possible and easy as direct debit a are usually presented be the debitor to the bank a few days before payment is due.

    I actually personally know someone who was working for an Irish bank as a contractor before, and he once told me he suggested to do exactly that (scanning all pending direct debits every day and send a notification to customers who don’t have enough funds to cover any imminent DD. Apparently the answer from his manager was: why would we spend any time doing something which will cost us money?


  • Registered Users, Registered Users 2 Posts: 14,555 ✭✭✭✭Marlow


    Danske Bank (aka National Irish Bank) was actually ringing me up, when there wasn't enough funds in the account to pay for a direct debit.

    They would also let the direct debit go out and as long as I brought the account back in balance before midnight on the day, the direct debit would not default.

    They're gone now ... so that's not an option. But they were the only "irish" bank doing this to my knowledge.

    And yes .. under the old system, direct debits were presented 14 days ahead. Now it's just 2-3 days. But that means, they still know ahead.

    In Denmark, PBS (the company running the danish direct debit system) sends you out a letter every month ... or used to .. probably electronic now .. that tells you what direct debits and amounts are due throughout the month and on what dates.

    /M


  • Registered Users, Registered Users 2 Posts: 10,905 ✭✭✭✭Bob24


    In the AIB app you can actually also see whichever direct debits have peen presented to the bank with the amount and collection date. No automated warning though.

    Most payees seem to present 2-3 days before the date, but for others it’s much longer (for exemple for me the Electric Ireland one shows up around 10 days before it’s due.


  • Registered Users, Registered Users 2 Posts: 2,528 ✭✭✭Sono


    Tried to get my employer to pay salary into my N26 account and they refused saying it has to be an Irish account that they pay into.


  • Moderators, Business & Finance Moderators Posts: 6,620 Mod ✭✭✭✭Sheep Shagger


    Sono wrote: »
    Tried to get my employer to pay salary into my N26 account and they refused saying it has to be an Irish account that they pay into.

    Mmm am about to ask mine (a foreign multi national not that should mean anything as payroll is outsourced to EY) will see how it goes.


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  • Registered Users, Registered Users 2 Posts: 10,905 ✭✭✭✭Bob24


    Mmm am about to ask mine (a foreign multi national not that should mean anything as payroll is outsourced to EY) will see how it goes.

    I’d be surprised if they don’t accept it.

    Would be pretty bad publicity for EY not to be compliant with financial regulations :-D


  • Registered Users, Registered Users 2 Posts: 400 ✭✭camz09


    Today I tried to use my N26 card for the second time to activate my pin ( the first one didn't work so I changed it and was told to use the new pin thru non-NFC transaction to activate it) I was paying for some shopping in Aldi at the till...it was declined, tried it again, declined, says 'PIN BLOCKED' Fair enough, and used another debit card instead. However when I checked my phone a few minutes later, I got a notification that the payment was successful, and the charge showed up on my N26 app TWICE! What should I do?? It's Sunday so there doesn't seem to be any agent to chat with on the app. I presume this is just a mistake and will be reverted back in a few days? I have the receipt and all anyway for proof and it is indeed indicated as card declined two times. One thing kinda annoying about the interface on the N26 app is you can't tell if a transaction is pending or not grrr. Sorry for the long read.


  • Registered Users, Registered Users 2 Posts: 5,512 ✭✭✭Wheety


    Not sure what happened but I doubt you were actually charged 3 times. The till would not charge again if the first one was successful. I'd say it'll revert in a few days.


  • Moderators, Regional South Moderators Posts: 5,865 Mod ✭✭✭✭Quackster


    camz09 wrote: »
    Today I tried to use my N26 card for the second time to activate my pin ( the first one didn't work so I changed it and was told to use the new pin thru non-NFC transaction to activate it)

    Most POS terminals in Ireland only check the PIN that's written to the card (rather than communicating with the issuing bank to check the card's PIN) so a POS transaction can't activate your PIN.

    To activate your PIN, you need to make an ATM transaction. If you don't actually want to withdraw cash, just select an amount greater than what's in your account.


  • Registered Users, Registered Users 2 Posts: 3,612 ✭✭✭Dardania


    Quackster wrote: »
    Most POS terminals in Ireland only check the PIN that's written to the card (rather than communicating with the issuing bank to check the card's PIN) so a POS transaction can't activate your PIN.

    To activate your PIN, you need to make an ATM transaction. If you don't actually want to withdraw cash, just select an amount greater than what's in your account.

    Really great advice about how to prompt a transaction without withdrawing cash. Must remember that.


  • Registered Users, Registered Users 2 Posts: 5,512 ✭✭✭Wheety


    Do you have to carry out a transaction to activate it? Could you not put in your card and pin and then select cancel?


  • Registered Users, Registered Users 2 Posts: 400 ✭✭camz09


    Quackster wrote: »
    Most POS terminals in Ireland only check the PIN that's written to the card (rather than communicating with the issuing bank to check the card's PIN) so a POS transaction can't activate your PIN.

    To activate your PIN, you need to make an ATM transaction. If you don't actually want to withdraw cash, just select an amount greater than what's in your account.

    Thanks! Yeah just got in touch with them and was told the same. You don't need to withdraw, you can just cancel.

    Hopefully the refund on my charges will all be sorted in a few days.


  • Registered Users, Registered Users 2 Posts: 12,513 ✭✭✭✭blade1


    Lads, could someone hazzard a guess at what's going on here?
    I'm in the UK and my card isn't being accepted anywhere.
    Getting different messages from different card readers in various places like, 'card not detected','insert card'(when card already inserted) and 'remove card'.

    I'm with N26 from the start and never had this problem before.
    Not sure if card is working back home in Ireland as I only use it online there.
    Will check when I get home tomorrow evening.


  • Registered Users, Registered Users 2 Posts: 3,612 ✭✭✭Dardania


    blade1 wrote: »
    Lads, could someone hazzard a guess at what's going on here?
    I'm in the UK and my card isn't being accepted anywhere.
    Getting different messages from different card readers in various places like, 'card not detected','insert card'(when card already inserted) and 'remove card'.

    I'm with N26 from the start and never had this problem before.
    Not sure if card is working back home in Ireland as I only use it online there.
    Will check when I get home tomorrow evening.
    Did you ever activate it in an ATM?

    Try going to an ATM and either check your balance or try withdraw a later sum of money than in your balance.


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  • Registered Users, Registered Users 2 Posts: 12,513 ✭✭✭✭blade1


    Dardania wrote: »
    Did you ever activate it in an ATM?

    Try going to an ATM and either check your balance or try withdraw a later sum of money than in your balance.

    I've been using it several times a year in the UK no problem.
    It's been activated since I got it when N26 started taking customers in Ireland.
    Also checked to see had I the limit set low but no,that's not the problem.
    Didn't get to an ATM yet but will in an hour or 2.


  • Registered Users, Registered Users 2 Posts: 12,513 ✭✭✭✭blade1


    blade1 wrote: »
    I've been using it several times a year in the UK no problem.
    It's been activated since I got it when N26 started taking customers in Ireland.
    Also checked to see had I the limit set low but no,that's not the problem.
    Didn't get to an ATM yet but will in an hour or 2.

    Just tried ATM there and doesn't work either.
    Getting 'cant carry out transaction'


  • Registered Users, Registered Users 2 Posts: 4,208 ✭✭✭bennyx_o


    I know you said you've used it in the UK before but have you disabled payments abroad in the app?


  • Registered Users, Registered Users 2 Posts: 12,513 ✭✭✭✭blade1


    bennyx_o wrote: »
    I know you said you've used it in the UK before but have you disabled payments abroad in the app?
    No everything is enabled.
    Also tried Google pay and it doesn't work via that either.


  • Registered Users, Registered Users 2 Posts: 9,360 ✭✭✭markpb


    blade1 wrote: »
    No everything is enabled.
    Also tried Google pay and it doesn't work via that either.

    It sounds like your card is physically damaged.


  • Registered Users, Registered Users 2 Posts: 14,555 ✭✭✭✭Marlow


    markpb wrote: »
    It sounds like your card is physically damaged.

    The card being damaged wouldn't affect Google Pay. There's something else wrong there. Best to engage support.

    /M


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  • Registered Users, Registered Users 2 Posts: 12,513 ✭✭✭✭blade1


    Marlow wrote: »
    The card being damaged wouldn't affect Google Pay. There's something else wrong there. Best to engage support.

    /M

    Yeah, I will in the morning.
    I'd be well goosed if I didn't have my boi card as back up.


  • Registered Users, Registered Users 2 Posts: 9,360 ✭✭✭markpb


    Marlow wrote: »
    The card being damaged wouldn't affect Google Pay. There's something else wrong there. Best to engage support.

    /M

    You're right, I misread that as contactless for some reason.


  • Registered Users, Registered Users 2 Posts: 12,513 ✭✭✭✭blade1


    Ok,was onto N26 via chat first for a half an hour where they said they'll reset the card,I then receive a message card block(part of the process)and then it should work.
    So off I go to a restaurant and attempt to pay and it still doesn't work.

    So onto chat again for almost an hour and through the same rigmarole again.
    Outcome anyway seems the chip must be damaged and they are sending out a new card foc.

    There is a little split on the card by the chip alright whether that played a part or not,I don't know.
    The cards are flimsy though,as mine only gets used when I'm away.

    I asked how would chip damage cause Google pay not to work and I was told Google would receive info of chip damage.
    Sounds a bit far fetched, no?


  • Moderators, Regional South Moderators Posts: 5,865 Mod ✭✭✭✭Quackster


    My card completely split in two horizontally, just above the chip, which killed the contactless function but it's otherwise working normally (with the help of some sellotape). The plastic they use for the card seems prone to splitting like this but that shouldn't affect the chip.

    If you're completely stuck and all else fails, an electronic transfer to Revolut or any other current account you have would be the only option.


  • Registered Users, Registered Users 2 Posts: 3,612 ✭✭✭Dardania


    Quackster wrote: »
    My card completely split in two horizontally, just above the chip, which killed the contactless function but it's otherwise working normally (with the help of some sellotape). The plastic they use for the card seems prone to splitting like this but that shouldn't affect the chip.

    If you're completely stuck and all else fails, an electronic transfer to Revolut or any other current account you have would be the only option.

    Or boon - straight away wish get an Apple Pay account


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  • Registered Users Posts: 3 Ravenlunatik


    Sono wrote: »
    Tried to get my employer to pay salary into my N26 account and they refused saying it has to be an Irish account that they pay into.

    Same. Blaming payroll and business banking software. Require me to have an Irish account, solely that I can receive salary in and tx it to n26.

    But then I find this doc, remove the spaces
    www. ecb .europa. eu / paym / retpaym/ shared/ pdf/ SEPA_e-brochure_2013.pdf

    Page 26, annex:
    "Free choice of payment locations: payers cannot be restricted in choosing from which account in Europe they would like to make credit transfers or direct debits in euro. Neither can payees be forced to receive credit transfers or direct debits in euro in an account held in a specific country"

    Will do my best to avoid having an Irish account for no reason.


  • Registered Users, Registered Users 2 Posts: 1,114 ✭✭✭user1842


    Same. Blaming payroll and business banking software. Require me to have an Irish account, solely that I can receive salary in and tx it to n26.

    But then I find this doc, remove the spaces
    www. ecb .europa. eu / paym / retpaym/ shared/ pdf/ SEPA_e-brochure_2013.pdf

    Page 26, annex:
    "Free choice of payment locations: payers cannot be restricted in choosing from which account in Europe they would like to make credit transfers or direct debits in euro. Neither can payees be forced to receive credit transfers or direct debits in euro in an account held in a specific country"

    Will do my best to avoid having an Irish account for no reason.

    The exact law they are breaking is this:

    REGULATION (EU) No 260/2012 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 14 March 2012 establishing technical and business requirements for credit transfers and direct debits in euro and amending Regulation (EC) No 924/2009

    Article 9
    Payment accessibility
    1. A payer making a credit transfer to a payee holding a payment account located within the Union shall not specify the Member State in which that payment account is to be located, provided that the payment account is reachable in accordance with Article 3.
    2. A payee accepting a credit transfer or using a direct debit to collect funds from a payer holding a payment account located within the Union shall not specify the Member State in which that payment account is to be located, provided that the payment account is reachable in accordance with Article 3.


    https://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2012:094:0022:0037:EN:PDF


  • Registered Users Posts: 3 Ravenlunatik


    user1842 wrote: »
    The exact law they are breaking is this:

    REGULATION (EU) No 260/2012 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 14 March 2012 establishing technical and business requirements for credit transfers and direct debits in euro and amending Regulation (EC) No 924/2009

    Article 9
    Payment accessibility
    1. A payer making a credit transfer to a payee holding a payment account located within the Union shall not specify the Member State in which that payment account is to be located, provided that the payment account is reachable in accordance with Article 3.
    2. A payee accepting a credit transfer or using a direct debit to collect funds from a payer holding a payment account located within the Union shall not specify the Member State in which that payment account is to be located, provided that the payment account is reachable in accordance with Article 3.


    Yep, they've seen that too. Apparently ibec even say it's acceptable that employees are required to have an Irish account ffs


  • Registered Users, Registered Users 2 Posts: 341 ✭✭Mo14


    Has anyone had any luck getting eir to accept n26 direct debits? Went into the shop today and was rudely told that I was mistaken in there being a requirement to not discriminate based on account origin because 'how could a multi-million euro company being breaking the law'.


  • Registered Users, Registered Users 2 Posts: 10,905 ✭✭✭✭Bob24


    Employers are a very problematic one.

    While technically it’s illegal to refuse to pay someone to a non Irish IBAN, it is against the person’s self interest to fight it so there is no leverage.

    Insisting about it is likely to have people known to their management/HR as the annoying one who’s insisting on getting paid abroad, with possible bad consequences in terms of career progression of work relationships - no one has any interest in risking that for the sake of SEPA regulation enforcement.


  • Registered Users Posts: 3 Ravenlunatik


    Bob24 wrote: »
    Employers are a very problematic one.

    While technically it’s illegal to refuse to pay someone to a non Irish IBAN, it is against the person’s self interest to fight it so there is no leverage.

    Insisting about it is likely to make people known to their management/HR as the annoying one who’s insisting on getting paid abroad, with possible bad consequences in terms of career progression of world relationships - no one has in interest in risking that for the same of SEPA regulation enforcement.

    that's exactly the problem, how far do you push


  • Registered Users, Registered Users 2 Posts: 5,252 ✭✭✭Yggr of Asgard


    Mo14 wrote: »
    Has anyone had any luck getting eir to accept n26 direct debits? Went into the shop today and was rudely told that I was mistaken in there being a requirement to not discriminate based on account origin because 'how could a multi-million euro company being breaking the law'.

    It can be done, but you need to download a form and post it to them:
    https://www.eir.ie/signupfordirectdebit/

    There is a long-standing discussion about this requirement that Irish Companies have to require a written form for non-irish bank accounts. Their stance is backed by the Banking & Payments Federation Ireland and unfortunately the way out government has chosen to implement the regulation does not back the more consumer-friendly approach other countries have or the spirit of the regulation has. Never mind enforcement. In some countries breaching the regulation is costly, in Ireland it's the usual government don't care.


  • Registered Users, Registered Users 2 Posts: 341 ✭✭Mo14


    It can be done, but you need to download a form and post it to them:
    https://www.eir.ie/signupfordirectdebit/

    There is a long-standing discussion about this requirement that Irish Companies have to require a written form for non-irish bank accounts. Their stance is backed by the Banking & Payments Federation Ireland and unfortunately the way out government has chosen to implement the regulation does not back the more consumer-friendly approach other countries have or the spirit of the regulation has. Never mind enforcement. In some countries breaching the regulation is costly, in Ireland it's the usual government don't care.

    Thanks! I should have mentioned that I am trying to set up a new account. The reps on twitter are being slightly more helpful by suggesting I sign up for the account with an Irish account and then change it using the form above. I don't think this is a great solution though and will probably try different companies instead. I will do my bit in reporting them though - not that it'll help.


  • Registered Users, Registered Users 2 Posts: 1,114 ✭✭✭user1842


    Mo14 wrote: »
    Thanks! I should have mentioned that I am trying to set up a new account. The reps on twitter are being slightly more helpful by suggesting I sign up for the account with an Irish account and then change it using the form above. I don't think this is a great solution though and will probably try different companies instead. I will do my bit in reporting them though - not that it'll help.

    It might:

    https://www.ccpc.ie/consumers/contact/contact-us-form/

    The CCPC are the competent authority for businesses for REGULATION (EU) No 260/2012 in Ireland.


  • Registered Users, Registered Users 2 Posts: 341 ✭✭Mo14


    ^ sent them a mail, thanks


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  • Registered Users, Registered Users 2 Posts: 5,252 ✭✭✭Yggr of Asgard


    user1842 wrote: »
    It might:

    https://www.ccpc.ie/consumers/contact/contact-us-form/

    The CCPC are the competent authority for businesses for REGULATION (EU) No 260/2012 in Ireland.

    Don't get your hopes up. They will send you some generic answer and nothing will ever happen.

    Your best bet is to set up the account with an Irish account or credit card and tha to swap with paper mandate.


  • Registered Users Posts: 477 ✭✭pasquale83


    Just finished to chat with an operator.

    I need to update the mobile number. They ask me the 10 digit number below my name on card, the passport number and the amount of the 5th last transaction.

    Looks like that the transactions they see don't match what I see on the app/web!! how's that possible? And because of that I get stuck!

    Has anyone had the same issue? I've sent an e-mail to support@n26.com and really want to see what happens...


  • Registered Users, Registered Users 2 Posts: 12,513 ✭✭✭✭blade1


    pasquale83 wrote: »
    Just finished to chat with an operator.

    I need to update the mobile number. They ask me the 10 digit number below my name on card, the passport number and the amount of the 5th last transaction.

    Looks like that the transactions they see don't match what I see on the app/web!! how's that possible? And because of that I get stuck!

    Has anyone had the same issue? I've sent an e-mail to support@n26.com and really want to see what happens...
    I was onto them yesterday and the 5 transactions on my app were correct.


  • Registered Users Posts: 477 ✭✭pasquale83


    blade1 wrote: »
    I was onto them yesterday and the 5 transactions on my app were correct.

    I'm not using the account since August last so maybe it's because of that?

    Anyway they're really rigid and don't want to listen to reason...I might close the account if they make my life difficult. I keep it only because I use it when going abroad in a non EU country to avail of the good exchange rate.

    Also if I close it I cannot open it again for the next 5 years due to an unbelievable German law...


  • Registered Users, Registered Users 2 Posts: 10,905 ✭✭✭✭Bob24


    Has anyone made any chargeback request with N26?

    An online retailer incorrectly charged my card (not fraud, the retailer’s mistake due to a bug on their website) and is dragging its feet to solve the issue.

    I talked to N26 and they were helpful to help me file a request, but they wouldn’t give me a timeline. Any idea of how long this type of thing usually takes?


  • Closed Accounts Posts: 783 ✭✭✭nsa0bupkd3948x


    Bob24 wrote: »
    Has anyone made any chargeback request with N26?

    An online retailer incorrectly charged my card (not fraud, the retailer’s mistake due to a bug on their website) and is dragging its feet to solve the issue.

    I talked to N26 and they were helpful to help me file a request, but they wouldn’t give me a timeline. Any idea of how long this type of thing usually takes?

    Mine was about 3 weeks from submitted to getting the refund.


  • Registered Users, Registered Users 2 Posts: 10,905 ✭✭✭✭Bob24


    Mine was about 3 weeks from submitted to getting the refund.

    Cheers, glad to hear it doesn't take too long.


  • Registered Users Posts: 477 ✭✭pasquale83


    blade1 wrote: »
    I was onto them yesterday and the 5 transactions on my app were correct.

    OK I found out where the problem was with my verification.

    Since I don't use the account regularly, the transaction order on the website/app and the one from the PDF statement don't match.

    So I was telling the 5th last from the website and they where looking at the ones on the PDF.

    If someone sues the account regularly the two should match. Anyway don't think this is fair as I've spent 1 week to realize the issue myself and from them I got only closed chats and no help from the support center.


  • Registered Users, Registered Users 2 Posts: 400 ✭✭camz09


    Is there a significant rise in conversion rate on weekends on N26 like Revolut? I was planning on buying a ticket that's in USD and was gonna use N26 MasterCard, would it be better to do it on a weekday? Can't find info on the app. Thanks!


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  • Moderators, Business & Finance Moderators Posts: 6,620 Mod ✭✭✭✭Sheep Shagger


    Tried to get cashback at Dunnes today using my N26 account - wouldn't do it, not sure if it's a Dunnes issue or N26.


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