French N26 customers claim online banking stole their money: what is it really?


Accounts closed and money blocked: An online bank that has already attracted 2.5 million users in four years in France has come under heavy criticism from some users. What is it exactly ?

bad chatter The N26 online bank has 2.5 million customers in France And 7 million in Europe, one after the other The RMC program was broadcast on November 20. Born in Germany, particularly dissatisfied, the radio gave the floor to the customers of this Neobank. They allege that the establishment has been in France for four years They closed their account without telling them, especially with their money.

Radio cites the case of Valérie, who opened an account two years ago. The relationship with the bank continued normally until his account was frozen last March. “Following the blocking of this account, I have been informed that it will be closed. Once the account is closed, you will no longer have any contact with them,” explains the RMC auditor. “The excuse of pretending to verify accounts as part of the fight against money laundering is, ultimately, used as an excuse to steal money from some of their customers.” கணக்கில் 300 has been credited to his account.

Another example is the loss of Guilloin: his professional account was credited with 9,000 and then closed without being able to recover his money. “It’s the busiest bank in the metro with posters. They stole €9,000 from me, My money was confiscated. In the emails, we told them they were ruining people’s lives, but they didn’t care and we only got automatic replies. You are ruining people’s lives by doing this, ”laments the grieving client.

Accounts were blocked after routine checks

According to N26, during “routine checks”, some accounts may be prevented from conducting necessary investigations, which can sometimes lead to account closures. Does not comply with banking conditions or general conditions of sale. “There are different cases, which explains the communications of N26 Free afternoon. You must prove that you are a French resident and that you have resided in France for at least six months, subject to the N26 general conditions of sale in France. If there are expenses abroad for a long period, the account may be blocked and then closed. Another possibility: an account ends up in a fraudulent transaction system after a phishing or scanning process. Our growth is strong in France, and fraudsters are taking advantage of it.

The account was withheld for the duration of the trial“, explains N26 to the communication of France. The information is transmitted to the controller, who informs him of the closure of the customer account. He has to send us a new iPhone to get his money back. Sometimes people forget to give it to us. “It must above all correspond to the previous level of accounting in N26: personal or professional.

Become the leading bank in Europe

N26 Bank indicates that it exchanged about four cases cited as examples at the RMC and provided a response to each of them. “We will openly return the money to the people, if it has not already been done, insists the communication officer. Our job is to protect customers’ money. He denies the number 530 complaints were recorded on the internet. “There is no evidence to support this figure when analyzing customer service complaints.” The RMC, for its part, confirms that reports have been sent to repress fraud.

This article is a shame for N26, which recently organized its fifth fundraiser. Its ambition is to become the leading bank in Europe. Following Britain’s Brexit exit, the N26 is soon looking to refocus on the Seba region (single euro payments area) with 24 markets – the ‘most complex market’. N26, the second most valuable bank in Germany, wants to tackle the countries of Eastern Europe.


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