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.

This decision is an automated process. If you don’t qualify right now, you can apply again another time when your financial circumstances have changed.

If you'd like more information, here's how you can get in touch with us.