Number26/N26 Mastercard/Account now for Irish Residents

Bob24

camz09 wrote: »

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!

The are using the MasterCard conversion rates. Not sure how MasterCard sets their rates but you could have a look here and check rates for different days to see if there is a hike on weekends: https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html

Sono

Got cashback the other day and the app recognized it as an atm withdrawal, surprised by that.

markpb

Sono wrote: »

Got cashback the other day and the app recognized it as an atm withdrawal, surprised by that.

Merchants offering cashback are supposed to indicate in the authorisation request which part of the total amount is payment and which part is cashback. I'm guessing N26 are looking at that data now.

Wheety

Sheep Shagger wrote: »

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.

Do you have limits set?

Sheep Shagger

Wheety wrote: »

Do you have limits set?

Didnt think so - will login and see.

pasquale83

Folks, is it possible to lodge an AIB cheque on the N26 account? Thanks!

nsa0bupkd3948x

pasquale83 wrote: »

Folks, is it possible to lodge an AIB cheque on the N26 account? Thanks!

Nope. No cheques or cash lodgements for N26 Ireland accounts.

Sheep Shagger

pasquale83 wrote: »

Folks, is it possible to lodge an AIB cheque on the N26 account? Thanks!

Nope.

Do you have a credit card with an Irish bank, as long as it's made out to the card holder you should be able to lodge it to that (if you dont have a traditional Irish bank account).

Wheety

Similar to the above. Can you use a service like Western Union (or similar) to pay to an IBAN? I'm not looking to do this but would be interested to know if possible.

Marlow

Wheety wrote: »

Similar to the above. Can you use a service like Western Union (or similar) to pay to an IBAN? I'm not looking to do this but would be interested to know if possible.

Costly. But you can always walk into the issuing bank (if it's a brick and mortar bank) and get the cheque paid out.

/M

Bob24

Wheety wrote: »

Similar to the above. Can you use a service like Western Union (or similar) to pay to an IBAN? I'm not looking to do this but would be interested to know if possible.

See this thread: https://touch.boards.ie/thread/2057967084/1/#post109784105

Can be done but fees will be very high.

Suckit

Yesterday evening I transferred money from AIB to N26 and I also transferred some money from N26 to Revolut. None of them have gone through.
I thought they would go through this morning? I am almost sure I have transferred money on a Friday and received it on the Saturday before.
I'm not in any rush for it, I just thought it normally goes through on a Saturday?

1huge1

Just a tip if anyone is interested, apologies if this has been posted before.

I find a quick way of transferring money from my BOI account to my N26 account is to first top up Revolut (instant payment) then transfer it over, usually have the money in my N26 within 3 hours as opposed to the next day.

Wheety

1huge1 wrote: »

Just a tip if anyone is interested, apologies if this has been posted before.

I find a quick way of transferring money from my BOI account to my N26 account is to first top up Revolut (instant payment) then transfer it over, usually have the money in my N26 within 3 hours as opposed to the next day.

Yeah, Irish banks seem to queue things up and then send payments in batches. if Revolut do the same, they certainly do it more often.

the corpo

So, as I see discussed above, impossible to set up an online direct debit with N26 and eir. I tried to do a manual 'pay now' with the N26 card though, and it was refused as well. Is that right?

What networks do accept N26, on a sim only plan so happy to jump ship!

TheChizler

the corpo wrote: »

So, as I see discussed above, impossible to set up an online direct debit with N26 and eir. I tried to do a manual 'pay now' with the N26 card though, and it was refused as well. Is that right?

What networks do accept N26, on a sim only plan so happy to jump ship!

Card should work fine, that's how I top my eir sim up.

Bob24

the corpo wrote: »

I tried to do a manual 'pay now' with the N26 card though, and it was refused as well. Is that right?

Depends on why it is being refused. Of they are refusing it because it is a non-Irish card it's illegal. But it could be other reasons (for example I don't think it would be illegal for them to refuse debit mastercards in general - although I doubt that is the issue).

northdubgal

Got an email to input my Tax ID - is this my PPSnumber?

alwald

northdubgal wrote:

Got an email to input my Tax ID - is this my PPSnumber?

Yes

the corpo

Bob24 wrote: »

Depends on why it is being refused.

Still not working, just says payment unsuccessful. On chat to eir now, but I don't imagine they'll tell me much!

Rock Paper Scissors

Does anyone know if its possible within the app or the N26 website to view a list of your active direct debits, the way you can in Revolut?


I cant see it in the app

Bob24

Rock Paper Scissors wrote: »

Does anyone know if its possible within the app or the N26 website to view a list of your active direct debits, the way you can in Revolut?


I cant see it in the app

I don’t think it is possible... which is strange as it has been a standard online/mobile banking feature for most banks for ages.

The J Stands for Jay

Bob24 wrote: »

I don’t think it is possible... which is strange as it has been a standard online/mobile banking feature for most banks for ages.

It's a bit of an annoying omission, but they send an email to warn you of an upcoming DD will put you in the red.

Chimichangas

Suckit wrote:

Yesterday evening I transferred money from AIB to N26 and I also transferred some money from N26 to Revolut. None of them have gone through. I thought they would go through this morning? I am almost sure I have transferred money on a Friday and received it on the Saturday before. I'm not in any rush for it, I just thought it normally goes through on a Saturday?

Does it depend on time of day Friday of transaction? That said I think recently it hasn't worked for me either even if I do it early in morning or previous evening. Thought it did before.

Chimichangas

Has anyone any experience of getting Garmin pay to work with the n26 account?

Sono

Would it be possible to put the page where the list of companies accepting this account for standing order/direct debit? I can’t seem to find it, thanks!

Yggr of Asgard

Sono wrote: »

Would it be possible to put the page where the list of companies accepting this account for standing order/direct debit? I can’t seem to find it, thanks!

There is a thread here:

Direct Debits from Non-Irish Accounts http://touch.boards.ie/thread/2057540573

awec

Presumably the IBAN you get for the account from these guys is not Irish?

So transferring to it from an AIB account will be a pain in the bollocks?

Suckit

awec wrote: »

Presumably the IBAN you get for the account from these guys is not Irish?

So transferring to it from an AIB account will be a pain in the bollocks?

I always transfer from AIB to N26. I usually do it the night before, but you can also do it before 12pm on the same day.

awec

Suckit wrote: »

I always transfer from AIB to N26. I usually do it the night before, but you can also do it before 12pm on the same day.

Can you store the details these days or do you need to use the card reader every time still?

Bob24

awec wrote: »

Can you store the details these days or do you need to use the card reader every time still?

Card reader, only on the website (not the mobile app), and you have to enter the full account details again each time.

Overall AIB is fine but this aspect of their remote banking is particularly backwards.

awec

Bob24 wrote: »

Card reader, only on the website (not the mobile app), and you have to enter the full account details again each time.

Overall AIB is fine but this aspect of their remote banking is particularly backwards.

Yea I think this is enough to prevent me picking one of these accounts up.

It's odd that their international payments feature is so bad cause usually they are pretty much ahead of the curve when it comes to the tech in banking.

TheChizler

Bob24 wrote: »

Card reader, only on the website (not the mobile app), and you have to enter the full account details again each time.

Overall AIB is fine but this aspect of their remote banking is particularly backwards.

You can reuse the details if you've done it before. It's just enter your PIN on the card reader and copy an 8 digit number to the site, no messing around with entering account numbers and amounts into the reader, still a pain though.

user1842

Anyone getting declined transaction notifications from "yongtaifangdichan j". I have gotten three in the past hour and have locked the card.

Looks like someone got my card number from a data breach somewhere.

They really should have 24 hour support as theses declined transactions do not show in the app, only a push notification.

source

awec wrote: »

Yea I think this is enough to prevent me picking one of these accounts up.

It's odd that their international payments feature is so bad cause usually they are pretty much ahead of the curve when it comes to the tech in banking.

I use it for my monthly spending money and to do so I set up a standing order from my aib account for the day after pay day. That's then my budget for discretional spending for the month. Works well for me and you only have to enter the information once.

Bob24

TheChizler wrote: »

You can reuse the details if you've done it before. It's just enter your PIN on the card reader and copy an 8 digit number to the site, no messing around with entering account numbers and amounts into the reader, still a pain though.

Thanks I’ll try that next time. Maybe I missed it because I am not transferring to N26 too often, but silly question: how do you reuse the details? (unless I am mistaken it is not possible to save a payees list for non-Irish accounts)

TheChizler

Bob24 wrote: »

Thanks I’ll try that next time. Maybe I missed it because I am not transferring to N26 too often, but silly question: how do you reuse the details? (unless I am mistaken it is not possible to save a payees list for non-Irish accounts)

In the payment log on the website there should be a circular arrow next to previous payments that you can click on. I must try setting up a standing order like source said, I do exactly the same thing for discretionary spending but was under the impression you couldn't set up a standing order for international payments.

Bob24

awec wrote: »

It's odd that their international payments feature is so bad cause usually they are pretty much ahead of the curve when it comes to the tech in banking.

Agree. I am wondering if they are making it harder on purpose to discourage Irish customers from opening accounts in other SEPA countries and block competition.

All other Irish/EU banks I’ve dealt with recently are treating SEPA transfers in the exact same way regardless of being to a bank in the same country or to another SEPA country.

awec

So I see N26 has a Spaces feature, is this just a name for money that you set aside? Does it have anything like Revolut's Vaults?

I opened a Revolut account last week but the lack of Apple Pay is just annoying.

source

awec wrote: »

So I see N26 has a Spaces feature, is this just a name for money that you set aside? Does it have anything like Revolut's Vaults?

I opened a Revolut account last week but the lack of Apple Pay is just annoying.

Similar idea with different functionalitiy. Doesn't round up your purchases like vaults does, so it's much more like a traditional saving account.

Bob24

TheChizler wrote: »

In the payment log on the website there should be a circular arrow next to previous payments that you can click on. I must try setting up a standing order like source said, I do exactly the same thing for discretionary spending but was under the impression you couldn't set up a standing order for international payments.

Thanks, I hadn’t noticed it before but just checked the website and it is there indeed - good to know.

Aspiring

I'm sure this has been asked here a good few times, but I can't search the thread on mobile.

How long does it usually take for the card to arrive with standard delivery? I'm heading off on holidays in about 3 weeks and I want to make sure I have the card before then. If it can take longer than 3 weeks I'll get the express delivery.

nsa0bupkd3948x

Normally get it a week after ordering. Order Wednesday and it tends to come following Wednesday.

Xenji

I received an email today about providing a tax number, I have not been using the card long and it's just a card for personal use, can I just ignore this?

jimmy86

HI Xenji, This is your PPS number that they are looking for, for identification purposes I assume.

Yggr of Asgard

Xenji wrote: »

I received an email today about providing a tax number, I have not been using the card long and it's just a card for personal use, can I just ignore this?

No you can not, not providing your PPS number (which is our tax number) will result in your account being closed.

They require the PPS number as they are obliged to inform revenue of your account.

Xenji

It must of been a batch email they sent out, I went to do it this morning and I can see Ireland is down already.

Sheep Shagger

Apologies if I'm missing something on line and in the app but does N26 allow you to make adhoc SEPA payments from your account or is it standing orders only and if so where do you do them?

TheChizler

Sheep Shagger wrote: »

Apologies if I'm missing something on line and in the app but does N26 allow you to make adhoc SEPA payments from your account or is it standing orders only and if so where do you do them?

You can do one off SEPA transfers through the + symbol in the app and select transfers.

corminators

Is it possible to get a UK bank account (uk sort code) with these guys if you're based in ireland?