Number26/N26 Mastercard/Account now for Irish Residents

random_88

Julabo wrote: »

So i am in the same boat regarding physical card.

Really thinking about upgrading to the slate card

You will still get a plastic card. It’s just the colour is called slate. You’d need to go for the metal package to get a card that isn’t plastic.

jester77

McGaggs wrote: »

In the past changing between Irish banks, I've done it all manually. I did it using the switching service once, and not everything was done. It was just as easy to do it all myself and know it was done right.

I used their account switching service and it worked for around 80% of my bills. That was way back at the start in their first or second year of business. So it probably has better support now.

Suckit

Is there any way to disable certain security features with N26?
I found myself with a smashed phone screen the other day and no access to another phone to put SIM in to.

I tried logging into browser but it sends authorisation to phone, which I couldn't do. I tried changing setting via email, not possible.
I have since looked around settings and it is possible I have missed something glaringly obvious, but I keep missing it. I can't see any setting. It was very frustrating being in a hurry to access money on either it or Revolut and could do neither.
It can be a huge PITA that online banking is tied to heavily to a phone.

Bob24

Suckit wrote: »

Is there any way to disable certain security features with N26?
I found myself with a smashed phone screen the other day and no access to another phone to put SIM in to.

I tried logging into browser but it sends authorisation to phone, which I couldn't do. I tried changing setting via email, not possible.
I have since looked around settings and it is possible I have missed something glaringly obvious, but I keep missing it. I can't see any setting. It was very frustrating being in a hurry to access money on either it or Revolut and could do neither.
It can be a huge PITA that online banking is tied to heavily to a phone.

All banks have a regulatory requirement to enforce 2 factor authentication as par of the PSD2 European directive.

Holding the actual phone associated to the account is one of the 2 authentication factors, so the feature can’t be disabled.

Ogham

A question for all N26 users..
Has anyone used an N26 debit card to deposit USD on Etoro and then also withdraw USD from Etoro to the N26 card?
I'm hoping it will work to avoid Etoro conversion fees.

If not - has anyone had a refund from any retailer etc in USD to their N26 debit card without any issues?

Thanks

FGR

I wonder will n26 ever offer the option of lodging cheques via photograph like a lot of banks in the uk offer.

Would be my main reason for having a bricks and mortar bank resolved.

Otherwise very happy with them.

user1842

FGR wrote: »

I wonder will n26 ever offer the option of lodging cheques via photograph like a lot of banks in the uk offer.

Would be my main reason for having a bricks and mortar bank resolved.

Otherwise very happy with them.

Never going to happen. N26 would not even know what a cheque is

Cheques should be phased out, they are not covered by EU law and now the UK has left the EU we should follow all other EU countries (except FR and Malta) and get rid of them.

Sheep Shagger

FGR wrote: »

I wonder will n26 ever offer the option of lodging cheques via photograph like a lot of banks in the uk offer.

Would be my main reason for having a bricks and mortar bank resolved.

Otherwise very happy with them.

Not sure why anyone still uses cheques but if you need to lodge could you pay into your credit card instead of keeping an old school account open?

jester77

Cheques are still a thing? Haven't seen one in over 20 years. Not a chance N26 will add support for them, doubt you would even be able to cash a cheque in any bank in Germany.

flazio

So, let's say your buying a €5000 or more car from a private person on Done Deal. I'm pretty sure writing cheques are still the accepted way to transfer the funds to the seller unless I'm missing something.

blade1

flazio wrote: »

So, let's say your buying a €5000 or more car from a private person on Done Deal. I'm pretty sure writing cheques are still the accepted way to transfer the funds to the seller unless I'm missing something.

Cash or bank transfer.

flazio

Absolutely no way would I carry a wad of notes for anything above €1000. I'd be a bag of nerves.
Is bank transfer common these days? Can they be done on the N26 app?

cefh17

Ogham wrote: »

A question for all N26 users..
Has anyone used an N26 debit card to deposit USD on Etoro and then also withdraw USD from Etoro to the N26 card?
I'm hoping it will work to avoid Etoro conversion fees.

If not - has anyone had a refund from any retailer etc in USD to their N26 debit card without any issues?

Thanks

I wasn't able to withdraw in USD when I cashed out some work shared before iirc

FGR

Sheep Shagger wrote: »

Not sure why anyone still uses cheques but if you need to lodge could you pay into your credit card instead of keeping an old school account open?

Now that's intriguing. Say those self service ATMS in BOI/AIB - can I lodge money or cheques directly to their respective Credit Cards? That would solve the problem altogether.

Ogham

cefh17 wrote: »

I wasn't able to withdraw in USD when I cashed out some work shared before iirc

So you deposited USD Ok? At least that saved on the etoro currency conversion. SO diid you get the money out of Etoro onto N26 in another currency ? Or did you have to use something else?
Was this fairly recent?

Thanks

cefh17

Ogham wrote: »

So you deposited USD Ok? At least that saved on the etoro currency conversion. SO diid you get the money out of Etoro onto N26 in another currency ? Or did you have to use something else?
Was this fairly recent?

Thanks

Nah I realised after that they don't accept non-Euro transfers, so had to get onto eTrade to change it to Eur on their end (the conversion I was hoping to avoid) before initiating the transfer. This would've been March 2019

Edit: Second last line of this article https://support.n26.com/en-eu/payments-transfers-and-withdrawals/transfers/how-long-do-transfers-take

Quackster

FGR wrote: »

Now that's intriguing. Say those self service ATMS in BOI/AIB - can I lodge money or cheques directly to their respective Credit Cards? That would solve the problem altogether.

Yep, I do that at AIB.

Ogham

cefh17 wrote: »

Nah I realised after that they don't accept non-Euro transfers, so had to get onto eTrade to change it to Eur on their end (the conversion I was hoping to avoid) before initiating the transfer. This would've been March 2019

Edit: Second last line of this article https://support.n26.com/en-eu/payments-transfers-and-withdrawals/transfers/how-long-do-transfers-take

You mentioned eTrade I was asking about Etoro.

When you say N26 don't accept non-Euro transfers - I realise that. But surely they would have to accept a USD refund onto the N26 debit card?
They have to be able to do that (or am I wrong?).

Has anyone had a USD refund on their N26 debit card ?

Thanks again

Julabo

FGR wrote: »

Now that's intriguing. Say those self service ATMS in BOI/AIB - can I lodge money or cheques directly to their respective Credit Cards? That would solve the problem altogether.

I moved my current account from BOI to N26.

Kept the credit card with them. And do this for cash and the once yearly cheque that I get!

Stewball

Julabo wrote: »

I moved my current account from BOI to N26.

Kept the credit card with them. And do this for cash and the once yearly cheque that I get!

I moved my current account to N26 last year.
Can I lodge cheques into a PTSB demand deposit account?

Quackster

Stewball wrote: »

I moved my current account to N26 last year.
Can I lodge cheques into a PTSB demand deposit account?

Can't see why you wouldn't be able to.

bennyx_o

Stewball wrote: »

I moved my current account to N26 last year.
Can I lodge cheques into a PTSB demand deposit account?

You can, but unless you have an ATM Card for the account you'll need to use the Cash Desk to lodge

mamaz

If I have a Student AIB account is there any use of me using my N26 account for anything? Or will I just wait until I'm out of college and start using it then? I'm just not sure what it offers to me right now seeing as I have no fees anyway

Ogham

mamaz wrote: »

If I have a Student AIB account is there any use of me using my N26 account for anything? Or will I just wait until I'm out of college and start using it then? I'm just not sure what it offers to me right now seeing as I have no fees anyway

You might have no current account fees - but if you use the AIB debit card to spend in another currency you will be charged foreign transaction fees.
AIB charge 1.75% (minimum €0.45, maximum €11.00) last time I looked.

There are No such fees on N26 .

Also some better features on N26 -
(not available on AIB app as far as I am aware) such as-
Instant notification of spending.
Ability to lock card in the app for ATM or online use or contactless use
Ability to Send money to other people n your phone contacts
Ability to set up spending limits

mamaz

Appreciate it! Is there anything I'd be missing out on by not having a 'traditional' Irish bank account? Issues with future loan or mortgage maybe? Sorry I know this thread is probably full of it but its my last Q I swear haha. Ideally I'd like an N26 and Revolut setup for the future

Sheep Shagger

FGR wrote: »

Now that's intriguing. Say those self service ATMS in BOI/AIB - can I lodge money or cheques directly to their respective Credit Cards? That would solve the problem altogether.

Yep and that's what I do with BOI, closed everything except credit card and that's where I lodge any cheques using the lodgement machine, same for physical cash should I get any i don't want to keep.

The J Stands for Jay

Sheep Shagger wrote: »

Yep and that's what I do with BOI, closed everything except credit card and that's where I lodge any cheques using the lodgement machine, same for physical cash should I get any i don't want to keep.

Is there a way of doing this with Avant card?

Sheep Shagger

Sheep Shagger wrote: »

Yep and that's what I do with BOI, closed everything except credit card and that's where I lodge any cheques using the lodgement machine, same for physical cash should I get any i don't want to keep.

Havnt missed having an old school bank account....Good riddance

Ogham

mamaz wrote: »

Appreciate it! Is there anything I'd be missing out on by not having a 'traditional' Irish bank account? Issues with future loan or mortgage maybe? Sorry I know this thread is probably full of it but its my last Q I swear haha. Ideally I'd like an N26 and Revolut setup for the future

You would be able to show bank statements to any lender that wanted them - so they should have no reason not to lend you.
Mortgage lenders want your business - they shouldn't care where you have your current account .
N26 is a fully licenced EU bank - the same as all the "traditional" ones.
Paying in cash would be your only issue - but who uses much cash these days.
If you get some - just spend it.

kennypowers

jester77 wrote: »

I used their account switching service and it worked for around 80% of my bills. That was way back at the start in their first or second year of business. So it probably has better support now.

Tried that form but wont acknowledge any Irish bank unfortunately .Maybe its just for German accounts. Would have been very handy.

Sheep Shagger

McGaggs wrote: »

Is there a way of doing this with Avant card?

In their FAQ section on the website it says you can pay your bill at a post office so you could lodge cash/a cheque there i suppose. Details should be on your latest statement.

Bob24

Ogham wrote: »

You would be able to show bank statements to any lender that wanted them - so they should have no reason not to lend you.
Mortgage lenders want your business - they shouldn't care where you have your current account .
N26 is a fully licenced EU bank - the same as all the "traditional" ones.

Yes I can confirm this isn’t a problem. N26 is a safer bet, but those days they even tend to look at Revolut accounts in the same way as a regular current account (although technically they aren’t).

They have no choice - this is what many younger prospect mortgage customers are coming with (and as you said there is no reason for banks to ignore their business)

phantom_lord

Has anyone had issues getting paid via payroll to n26?

Bob24

phantom_lord wrote: »

Has anyone had issues getting paid via payroll to n26?

If your employer has an outdated payroll system/process whereby they can only pay money to Irish accounts, it could be an issue (it has happened to some).

But in most cases it is fine, and it should be less and less of an issue as time goes by (plus while there is not much you could do about it if they insist, it would be illegal for an employer to refuse paying you to any SEPA account of your liking).

Sheep Shagger

phantom_lord wrote: »

Has anyone had issues getting paid via payroll to n26?

I did.....HR said 'computer says no'...I insisted they had to accept a DE IBAN and the payroll provider suddenly found a work around.

Eir used to have an issue as did the national lottery app,both now support n26 and Revolut.

Changed mortgage provider last year and has to give the new lender n26 statements, no problem whatsoever.

LeeroyJ.

So glad I switched, closed my AIB account in early December and got a letter on Friday showing they never closed it and the account went into minus because of all the fees and 2 subscriptions I hadn't moved over (figured anything I forgot would send me an email once the AIB account is closed). Now I need to sort that mess out.

beggars_bush

LeeroyJ. wrote: »

So glad I switched, closed my AIB account in early December and got a letter on Friday showing they never closed it and the account went into minus because of all the fees and 2 subscriptions I hadn't moved over (figured anything I forgot would send me an email once the AIB account is closed). Now I need to sort that mess out.

I'm going in tomorrow to do the same

fearrchair

kennypowers wrote: »

Tried that form but wont acknowledge any Irish bank unfortunately .Maybe its just for German accounts. Would have been very handy.

Kenny,

did you manually have to do it in the end as some have done, I have just created a new account myself but now I find I will have update DD.

The automatic one seems to be only German Banks alright.
They also have the following form as a template.

https://docs.n26.com/transfer/Template-bank-account-change.pdf

adox

Is there a daily limit for bank transfers? Im buying a car soon and my other account with KBC has a daily limit of €15000(3x5000) which isnt enough.

jimmy86

adox wrote: »

Is there a daily limit for bank transfers? Im buying a car soon and my other account with KBC has a daily limit of €15000(3x5000) which isnt enough.

They have no limit according to this:
https://support.n26.com/en-eu/payments-transfers-and-withdrawals/balance-and-limits/what-is-the-maximum-i-can-spend

On another note, I'm also with KBC and recently had the same issue paying a house deposit. If you call into a hub they can action a higher payment for you.

j.quinn.esq

Have been using them since june 2019, hundreds of transactions big and small, in and outside the country in person and online, and have had zero problems.
Would 100% recommend

FGR

fearrchair wrote: »

Kenny,

did you manually have to do it in the end as some have done, I have just created a new account myself but now I find I will have update DD.

The automatic one seems to be only German Banks alright.
They also have the following form as a template.

https://docs.n26.com/transfer/Template-bank-account-change.pdf

I asked both their main n26 account and n26 support accounts on twitter about whether we'll be getting this option in Ireland - sadly they didn't reply. That was about a week ago.

Thewitheredowl

j.quinn.esq wrote: »

Have been using them since june 2019, hundreds of transactions big and small, in and outside the country in person and online, and have had zero problems.
Would 100% recommend

Would second this, using since Oct 20 for all my transaction and it has been faultless. I pay €5 a month for the 10 spaces, and it works great. Even the most basic of functions like being able to search for a company name and you can see all your transactions with them instantly makes such a difference. BOI, which is who I was with, are a long way behind.

moleyv

Is there any clear table comparing the different plans. The app isn’t much use to compare side by side and seems to miss some details

jrmb

Has anyone been able to set up direct debits from N26? I tried to sign up for Vodafone broadband today but they refused to set up the direct debit using my DE IBAN, even after I showed them the relevant page on the Central Bank's website. I pay a credit union loan monthly by DD too. If N26 can handle these two things, I'll be able to close my PTSB account.

Yggr of Asgard

jrmb wrote: »

Has anyone been able to set up direct debits from N26? I tried to sign up for Vodafone broadband today but they refused to set up the direct debit using my DE IBAN, even after I showed them the relevant page on the Central Bank's website. I pay a credit union loan monthly by DD too. If N26 can handle these two things, I'll be able to close my PTSB account.

Sign up to Vodafone with your PTSB account and than send them the paper based direct debit mandate you can download from their webpage.

They are not obliged to accept electronic instructions but paper based instructions they can not refuse.

I paid Vodafone from a German account after I threatened them to take them to court. Just be persistent they can accept it, their system allows it.

It a bad process that you have to work around like that but it works for most vendors.

user1842

jrmb wrote: »

Has anyone been able to set up direct debits from N26? I tried to sign up for Vodafone broadband today but they refused to set up the direct debit using my DE IBAN, even after I showed them the relevant page on the Central Bank's website. I pay a credit union loan monthly by DD too. If N26 can handle these two things, I'll be able to close my PTSB account.

Can you please flag this breach of law to the CCPC:

https://www.ccpc.ie/consumers/how-to-complain/report-a-business-to-the-ccpc/

The only way we change this behavior is to report these businesses to the correct authority.

Yggr of Asgard

user1842 wrote: »

Can you please flag this breach of law to the CCPC:

https://www.ccpc.ie/consumers/how-to-complain/report-a-business-to-the-ccpc/

The only way we change this behavior is to report these businesses to the correct authority.

It's not a breach as such, they will accept non Irish IBAN's. However in line with the regulations they can ask you for a paper based mandate.

However you can not sign up online for the discounts unless you can agree to an electronic direct debit.

So you can walk into a Vodafone Store and sign up there with a paper based mandate and pay the higher prices in store.

There is nothing in legislation stopping companies to do this unfortunatly, the CCPC knows this and a complaint will go nowhere.

The only workaround to get it done online is to sign up with an IE account and than change it via a paper mandate.

That is until regulation is introduced that forces companies to accept electronic instructions for non Irish accounts.

Sneaky it is, but the CCPC will do nothing!

Julabo

jrmb wrote: »

Has anyone been able to set up direct debits from N26? I tried to sign up for Vodafone broadband today but they refused to set up the direct debit using my DE IBAN, even after I showed them the relevant page on the Central Bank's website. I pay a credit union loan monthly by DD too. If N26 can handle these two things, I'll be able to close my PTSB account.

Hey, so I was in a similar situation.

Closed my BOI current account. Kept the credit card account.

Get my salary into N26 now

DD to Credit Union savings was not possible. But i just manually do it the morning I get paid using my CU IBAN & BIC. You can also schedule transfers on N26 but I have not done that.
It is really easy done, just scroll to previous transfer, hit send again, enter amount.

Moved all my bills on to my BOI CC account as Irish IBAN and some places would not accept N26, like yourelf. Every pay day transfer total cost of bills for the month.
Each CC has Irish IBAN BIC. Just remember to enter the credit card number in the reference section or else it will bounce back. Also use this account the odd time i need to lodge cash.

Delighted I moved to be honest. Finding it a lot easier to keep track of spending etc

jrmb

Thanks for your responses.

Yggr of Asgard wrote: »

Sign up to Vodafone with your PTSB account and than send them the paper based direct debit mandate you can download from their webpage.

I did this as a workaround and then changed my default method to my N26 debit card for the time being, but the fact remains that someone who doesn't have and doesn't want an Irish account couldn't have registered, which is against the rules.

user1842 wrote: »

Can you please flag this breach of law to the CCPC:

https://www.ccpc.ie/consumers/how-to-complain/report-a-business-to-the-ccpc/

The only way we change this behavior is to report these businesses to the correct authority.

Yes, you're right. I did that yesterday and they wrote back today. They've told me that it's correct to say that the cost and process for Vodafone is the same for all SEPA transfers. They've advised me to ask Vodafone on what legal grounds they wouldn't accept the N26 IBAN, and to contact the CCPC again if their response isn't satisfactory.

Yggr of Asgard wrote: »

It's not a breach as such, they will accept non Irish IBAN's. However in line with the regulations they can ask you for a paper based mandate.

In my case the agent didn't do this. (S)He insisted on an Irish IBAN to complete the registration.

Julabo wrote: »

Moved all my bills on to my BOI CC account as Irish IBAN and some places would not accept N26, like yourelf. Every pay day transfer total cost of bills for the month.

I used to do this with Eir, but I would transfer the €40 on salary day and they would take €40 by direct debit later in the month anyway.

Edit: Sorry Julabo, I'd misunderstood your post. I could do this, but if I keep an Irish account, I'll be paying fees unnecessarily because companies aren't abiding by the rules. If a local bank were as reliable and reasonable as N26, I'd use it instead.