Why can't I get an overdraft?

Many factors are considered toward your creditworthiness including your SCHUFA or CRIF score (we let both know about any overdraft requests). Being a long-time customer or making your N26 account your main account will have a positive impact on your overdraft application.

If you don’t qualify right now, we can’t change or override the decision on an individual basis. You can just apply again another time.