How to dispute a card transaction and request a chargeback

Have you noticed a card transaction on your N26 bank account statement that you don’t recognize? Did you place an order online, but never receive it? Read on to find out how to request a chargeback in these instances..

A chargeback is the return of a card payment to a customer by the merchant following a transaction dispute. This happens when the dispute is resolved in your favor.

N26 offers a chargeback service through Mastercard. You can use this service if someone else made a transaction with your card or if a merchant made a mistake. For example, if you ordered something online and didn’t receive it by the expected delivery date, you may be eligible to file a chargeback to request your money back.

• Open the Home tab in your N26 app or WebApp.
• Select the transaction you want to dispute.
• Select There’s something wrong and follow the on-screen steps to submit your chargeback.

If you attempt to dispute a transaction and don’t see the There's Something Wrong button, it means the 120-day window for filing a dispute has passed.

• Your card will be automatically blocked as soon as you submit the chargeback request.
• After confirming the dispute, you'll be redirected to the Cards tab, where you can order a replacement card for free.

• Blocking your card is optional—as it's not required—but if you choose to do so, you’ll need to pay the card replacement fee.

• In the Cards tab, select Get a replacement. 
• Confirm or update your delivery details, and choose a delivery method:
  • Standard delivery – free if processed after a dispute for an unauthorized transaction.
  • Express delivery – costs 25 €.

Review your order and confirm.

Note: If you reorder your card before initiating a dispute, standard replacement fees will apply.

After submitting your dispute, you can track its progress in the N26 app.

Open the disputed transaction, then tap Check progress.

Disputes can take time to resolve as several parties are involved, but we’ll update you in the app whenever there’s progress.

If you’ve already closed your N26 account and can no longer access the app, contact our Customer Service team by emailing support@n26.com from the email address linked to your account.

To make things easier, we’ve compiled a list of frequently asked questions about chargebacks (new tab).