PSD2 - Strong Customer Authentication

What is Strong Customer Authentication (SCA)?

SCA acts as an additional layer of security for all N26 customers by providing Two-Factor Authentication (2FA). This is an authentication process based on the use of two or more secure elements. You’re probably familiar with using just your personal password to sign in to your account but with Two-Factor Authentication you’ll need either confirmation from a paired device or an SMS code.

When you log into your N26 account from the web app or a non-paired device, you’ll be asked to confirm a push notification on your paired device or you can request an SMS code to be sent to your registered number to confirm your login attempt. This ensures that only you can log into your N26 account.

When you log into your N26 account from your paired device, Two-Factor Authentication is already in motion. Therefore, the process of logging into your N26 account from your paired device stays the same.

Why is SCA being introduced?

SCA is being introduced as part of the revised European Payments Services Directive (PSD2) which applies to all European Banks. The objective of PSD2 is to enhance the security of the customers’ data and account security. Find out more about PSD2 in our dedicated article about the PSD2.

FAQs

I cannot log into my account. How do I solve this?

First, try update your phone to the newest version. If you still cannot log into your account but still have access to your registered email address, please try to reset your password. If you don’t have access to your registered email address, please contact us via our live chat and we’ll be glad to help you out.

I lost access to my paired device. How will I be able to log into my account again?

If you lost access to your paired device but you still have access to your registered phone number, please log into your N26 account and request an authentication code. To do this:

  1. Login to the Webapp

  2. When prompted to confirm your login on your paired device, select Help

  3. Choose Send SMS Code

  4. Once you receive the SMS code, input it into the Webapp

As you confirm the authentication code you’ve completed two-factor authentication and you’ll be able to pair your new device with your account again.

If you don’t have access to your registered phone number - either because you have a new phone number or your phone was lost or stolen - please contact our customer service via live chat and we’ll be glad to help you out.

What if my phone doesn’t support the latest app version?

If you have an older smartphone device that doesn’t support the latest app version, you won’t be able to access N26 via the mobile app anymore using your phone. 

You can still use our Webapp to view your account, to do this you'll need to confirm your login attempt via an SMS verification code which we’ll send to your account's registered phone number.

You’ll still be able to complete card transactions and cash withdrawals as normal using your Mastercard but bear in mind that you won't be able to perform any bank transfers or payments until you can confirm the transfer within the N26 app.