Number26/N26 Mastercard/Account now for Irish Residents

Regardless of where they are based, entering an IBAN starting with DE and then selecting Ireland as a country should give a clue of why the system is saying no. I understand from your post they thought they were supposed to select your country of residence … but since it is something they input alongside the IBAN it could have came across to them that their system was possibly looking for the country of your bank.

And IMO it doesn’t have anything to do with having heard about N26. It could also have been someone with a Spanish IBAN from Santander, a French one from BNP, or an Estonian one from a small bank most of us have never heard about; and it would have made no difference (similarly the IBAN would have started with ES, FR, or EE and they would have had to select the corresponding country).

@unkel, I sympathise completely, but it sounds like the CCPC will be quite helpful if you can manage to get a response to a formal complaint.

@Bob24, I see what you mean, but I don't think they routinely use IBANs for domestic transfers in the UK.

I asked the credit union about making loan repayments by DD from N26. They said that they insist on Irish IBANs because the fee for a missed direct debit was higher with N26, and that the CU doesn't pass that on to the member. In the end, they let me do it by standing order instead.

CCPC came back today, referring me to the Central Bank of Ireland

Why do we have regulators if all they all do is pass the buck? 🙄

Is Vodafone the company that does not accept the EU IBAN?

If so it is the CCPC's issue to investigate, not the CBI. They should not have referred you to the CBI:

I suggest that you now make a complaint to the EU Commission:

Honestly, this is great to see. A regulator doing its job, especially learning lessons from the past (cough, cough, Wirecard). N26 will be a better bank because of it.

Quick 2 questions if I may.

I've decided to go for N26 with KBC winding down.

Q1 is there a minimum amount to open the account, I'd prefer a physical debit card so presumably need to cover that cost.

Q2. Do N26 facilitate the switching current account process, I've a small few DD set up and need to insure they continue, I undersand I've to make my own arrangements re lodgement, salary etc.

Hoping to start process later today. But will keep KBC account open for another while.

Thanks in advance.

Thanks so much, appreciate the heads up 😁

You mustn't have any crypto that you haven't done the passport selfie before ;-)

Standard procedure in KYC for years...

LOL, I won't need to worry about transferring €100k 😁 but thanks for the clarification.

Have to say very impressed with the speed of set up, fund already showing from debit card lodgement.

Fingers crossed this will turn out to be my solution re KBC winding down.

Thanks again for the Guidance, much appreciated 😊

For those who have had their account skimmed, did you have limits set up on your card? I leave mine at €50 for atm withdrawals and €50 for spending. I just up it if I need to. Just have to remember.

My KBC debit card is left blocked as I don't use it.

I was thinking cashback when I was typing that out. I don't know if it's an option on Google Pay. I've never been asked.

Some newer ATMs have NFC but I haven't seen one in Ireland. I'd say it'll be a few years before we see them.

I transferred some money from N26 today and was given the option of an instant transfer or a standard one. The instant transfer is free for premium members, but they didn't say what fees/limits apply on the free account. Up to now, transfers to Revolut and Wise have usually been very fast anyway.

It's a good idea. I have limits on all my cards that I can do it on, well Revolut and N26. I always leave the KBC debit card disabled as we were skimmed before. Hotels in Kenya 🙄

Yeah, I forgot about that option but I always have it turned off too.

Just curious, I'm setting up a new Payee to start transferring via sepa from KBC to my new N26.

I've got the IBAN number for my N26, I normally put the account number in the receiptient message, can I determine what my actual n26 account.

EDIT, Figured it out 😉

Just am old habit 😉

I feel a little stupid, checked the FAQ 😂

In this situation, you'd ask Ulster Bank for the IBAN where payments should be sent to and the put the credit card number as the recipient reference.

The IBAN might be on your statement?

Edit: My KBC Credit Card statement has the IBAN for payments. These Credit Card IBANs are not specific to you so you will need to include the credit card number when making the transfer to ensure it goes to your account.

N26 telling me that Fidor Bank AG does not have SEPA and it will take 2-5 business days. They have SEPA, I have always used it, until the last transfer which I thought was an error, but getting the same message now before i send it.

EDIT -

Okay, it seems to be happening with any SEPA account I choose on Kraken.com (crypto) - Anyone know if N26 are purposely hindering them?

Hi, there's been no recent updates, I'm just getting prepared and choose N26 based on overall reviews. Very impressed at the ease of set up, access, app etc. Early days but so far so good, choose the standard account, no fees etc. I'll retain KBC for as long as possible but at least I'm organised. I've only a current account with KBC so can't comment re mortgages, loan accounts etc.