How to recall a SEPA transfer or check its status

A payment investigation lets you confirm that a SEPA transfer reached the recipient, or request that N26 tries to recall it. Only the sender's bank can open a payment investigation. If you're waiting on an incoming transfer, the sender needs to contact their own bank.

Once you've confirmed a transfer with your confirmation PIN, a payment investigation is the only way to verify its status or attempt to recall it.

Keep in mind that results depend on the recipient's bank and can take up to 15 business days. We'll contact you as soon as there are any updates.

To confirm that a transfer arrived, request a payment investigation for a confirmation of receipt. N26 will contact the recipient's bank and ask for a credit confirmation that includes the date, the amount, and the transaction ID.

If the transfer didn't go through, the recipient's bank confirms the payment's status. They'll also let N26 know whether a return of money has been started.

To reverse a transfer, because you entered the wrong recipient, sent the wrong amount, or think you've been targeted by fraud or a scam, request a payment investigation for a transfer recall.

We can't guarantee the money will be returned — that outcome depends on the recipient and their bank.

Recalling a transfer requires our support team. To open a payment investigation, ask for a specialist in the support chat (new tab).

All payment investigations cost €15 per transfer.

• The fee is charged as soon as N26 starts the investigation.
• We charge it from the account you used to make the transfer. Make sure you have enough money in that account before you request.
• Each investigation covers one payment only. If you need to investigate multiple payments, you'll need to submit a separate request for each one.
• The recipient's bank may charge additional fees on their end.
• The fee is non-refundable for ongoing or completed investigations. If the outcome shows that N26 made the mistake, we'll refund the €15 fee.

A payment investigation is the right process for outgoing SEPA transfers only. Before you open one, check the following:

• Make sure you followed the correct steps for a successful transfer (new tab).
• Check whether your SEPA transfer failed (new tab) and confirm you entered the recipient's name and IBAN correctly.
• For a disputed card payment, see how to dispute a transaction (new tab) instead — that process is separate from a payment investigation.
• For a SEPA direct debit you want to reverse, see how to reverse a direct debit (new tab) instead.