Have you been victim of a fraud? Contact us.
Have you made a SEPA or SWIFT transfer to a fraudster who has an N26 IBAN? Call us! +49 30 22957300. Service hours: Mo. - Fr. 9:00 - 18:00. Please note, our fraud hotline only handles the described cases of fraud! If you have different issues or questions, please help us save you time and contact our customer service.
Please note that N26 will never call you from this number. If you do receive a call that appears to be from this number, please do not answer as this is a third party imitating N26.
If you’re an N26 customer and have an authorized or unauthorized card transaction which you want to dispute, please use our dedicated and complete service in the N26 mobile app. The hotline above exclusively helps in case of transfers to a suspicious account with an N26 IBAN.
Did you get a SMS followed by a suspicious link?
If so, DO NOT click on it! This is a phishing attempt. This is how the fraud works:
- You receive an SMS with spooky tones that invites you to open a link.
- The link has a different URL than our official one (new tab)
- The page obtained by opening the link mimics the graphics used by N26, the sharing of some personal data is requested, such as the email password, N26 password, card number, CVC, PIN codes, codes arrived via SMS , and so on. Never provide this data outside the N26 app or web app!
- After the SMS, an individual who claims to be an N26 agent might call you and try to convince you to carry out some suspicious operations, such as providing additional account data or authorizing unsolicited transactions via N26 App. Remember: never confirm a payment on N26 App if you do not recognize the beneficiary or the merchant!
What to do if I clicked on a suspicious link?
In this case you should, immediately change your login password.
You can do this by going to the App> My Account> Settings >Security> Change Login Password. Or, during the login, you can click on Forgot? We will send you an email outlining the next steps.
If you have shared any personal data via a phishing site, contact us via live chat from our app. Our agents will assist you in ensuring your account remains protected. Also, send a screenshot of the SMS to firstname.lastname@example.org
In the event of an unauthorized transaction or even eligible authorized transactions, N26 customers can dispute a payment made with their N26 debit Mastercard and get their money back. Read on for answers to our frequently asked questions on chargebacks, and learn how to dispute a transaction (new tab).
I’ve noticed an unauthorized transaction on my account. What should I do?
If you’ve noticed an unauthorized transaction on your account, you’ll need to order a new card in order to keep your account secure and prevent further unauthorized transactions from occurring. Go to your N26 app, and re-order your card in the ‘Cards’ tab. You can mark the reason as “lost” or “stolen” based on your situation. If your card was in your possession at all times, you’ll need to re-confirm that you did not make the transaction yourself. Then, if necessary, report the fraud to the police, and follow the instructions to initiate a payment dispute (new tab).
How can I protect my account from fraud?
Here are a few ways you can protect your account from fraud:
- Only use ATMs that belong to trusted banks
- Only place orders with trusted online retailers and websites
- Change your online passwords and PINs regularly
- Never trust text messages or emails that appear to come from N26 which ask you to provide your card details, account details, or include suspicious links. N26 will never ask for your card or account details outside of the N26 app or the N26 WebApp.
- Change your card settings within your N26 app. For example, disable online payments, ATM withdrawals, payments abroad, and set spending limits that correspond with your regular spending behaviour.
- Avoid making Magnetic Stripe transactions if possible. Instead, opt for the safer NFC chip-based or digital wallet transactions where available.
- Always keep your card in a safe place.