Why is my account restricted?

We may temporarily restrict your account to carry out checks that help ensuring legitimate use of the accounts, protect your money and meet our regulatory obligations. We only take this step when necessary according to law and aim to complete the review as quickly as possible.

If your account is restricted, you won’t be able to use some features in the app while we complete our checks. Depending on your case, this may include:

• Sending money: You can’t make a bank transfer or send a MoneyBeam.
• Receiving or adding money: You can’t receive transfers, MoneyBeam, or use Cash26.
• Using your card: You can’t pay or withdraw cash.
• Using other features: You can’t invest, move money between Spaces, use airport lounges or your eSIM, or sign up for new products.

If you have bills, rent, or urgent expenses due, use another account to make sure your payments go through.

Reviews usually take up to 3 working days, but they can take longer in some cases. Your money remains safe during this process.

If we need more information, we’ll contact you in the app under Messages from N26. We may request documents such as recent payslips, tax declarations, or proof of incoming funds. Having these ready to upload ensures we can finalize your review as quickly as possible.

In some cases, we may need up to 7 additional working days to complete the review. If this happens, we’ll notify you in the app and send you a message. Once the review is complete, you’ll receive a notification and see an update in the Home tab of your app.

You can’t speed up the review process. Check Messages from N26 regularly in case we ask for more information. Customer Support can help with general questions, but they don’t have additional details about the review and can’t speed it up.