Number26/N26 Mastercard/Account now for Irish Residents

Still an awful waste of money. I've never paid any bank charges in this country. Tell whoever issues the cheques to cop the fock onto themselves. It's 2021, not 1971. Cheques should have been abolished many decades ago. None of my customers now pay me with a cheque, after I simply told them I will no longer accept them.

Thats sound advice.

However for my circumstance, for €3.83/month I have access to a local branch, an Irish IBAN for a couple of direct debits.

For me, this tiny cost is worth it versus the time that would be involved in fighting numerous organisations that don't readily accept non-Irish IBANs everytime sign up to a new service or change providers (which happens regularly).

Irish Govt departments are the main culprits, one of which is Revenue. No surprises there really.

I've imported half a dozen cars over the last few years and appeal the VRT appeal on all of them. Each time the refund is delivered by cheque....from Revenue. And I wasnt given the option even when I queried it.

Nope - mid last year was last one. This inconsistency for the same service is just another example of why dealing with them so frustrating. Unlike yourself, I won't be giving any props to Revenue anytime soon as clearly Im not alone if others experiences (such as this one) are anything to go by.

During lockdown, the DSP explicitly said that N26 and Revolut accounts could be used.

No firms should insist on Irish IBAN. This is illegal, they should be reported.

Can’t you complain to Europe.

Anyone had issues with pre-authorisations on N26 and Amazon? Never had issues before but 99% of the time things would dispatch right after the order was placed, this is something on back order. Looks like N26 rejected Amazon pushing the payment twice based on emails I received. Flipped it to BOI and seems fine now (still pending dispatch).

Not sure if that is what they are talking about, as I have often had that happen to me, it's not really taken, and it rectifies itself. I think there is a name for it.

I think what ED E may be referring to is that the money is seemingly blocked by N26 for instant payments. Not sure if it has anything to do with their SEPA fee.

I know nothing... But have noticed top ups that used to be immediate, seem to be stopped now. Revolut is the only one I can top up with instantly.

Anyone having issues with SEPA transfers? I am trying to transfer since last night, but the option to pay the 99cents and send an instant bank transfer is greyed out. Beneatht the transfer types it says:

I have tried with a few different banks, same thing.

Most of the banks in the euro areas big countries already support SCT Inst (instant payments). Irish banks are outliers.

https://www.ecb.europa.eu/paym/groups/erpb/shared/pdf/15th-ERPB-meeting/Status_update_on_SCT_Inst_scheme.pdf?b2afb8eeeba23e0045c53608a0925d4c

In addition I think the EU Commission may soon legislate to ensure SCT Inst is available.

https://www.regulationtomorrow.com/eu/commission-roadmap-on-eu-wide-instant-payments-scheme/

There is a monthly limit to new signups. If you want one suggest you sign up with them straight away so you are offered one when they open up for the next month.

This is from the N26 website - the PR Dept putting their spin on things:

The real story (from the FT back in October)

They sound confused. I don't know if separate IBANs for spaces are available outside of Germany, but shared spaces with IBANs are not available anywhere yet. You can only apply an IBAN to a non-shared space.

First bullet point here:

https://support.n26.com/en-eu/app-and-features/spaces/what-are-ibans-for-spaces-subaccounts

I have a premium account and I can't have IBANs for my spaces. They've given me a spare debit card with separate details, but both debit cards draw from my main current account.

Edit: If it's a regular payment (e.g. the phone bill is a regular €50), you could set up an automatic transfer into your current account in time for the direct debit. It's a workaround that shouldn't be necessary though.

I've got a persistent problem where Chip and Pin terminals reject my N26 MasterCard without asking for the PIN. It's happened in a few different places over the past 2 weeks.

Similarly, my Amazon Prime subscription is being declined even though the card details are correct and I have sufficient funds. In my local supermarket, the terminal says something like "Code file missing" when I insert my card, but the payment goes through anyway.

I've raised both with N26 but they really don't seem to have enough staff with the skills to check these things out. I've been able to manage without an Irish current account until now, but I've joined Bank of Ireland out of frustration with N26 and I won't renew my paid subscription.

Reading a lot of worrying stuff on twitter about N26 closing peoples accounts without notice and denying them access to their stored funds until they send "proof" of where they got them from! N26 response on twitter is poor, directing people to use support chat in the app which they no longer have access to!