How to request a refund for a direct debit?

You have the ability to request a SEPA direct debit refund in the app yourself up to 8 weeks after it has been debited.

  1. Open your transaction list and select the direct debit in question.
  2. Choose Refund.
  3. The amount will then be credited to your account within 2 banking days.

IBANs for Spaces: You can also request a SEPA direct debit refund in the app for your IBAN-assigned Spaces. The same rules as above apply:

  • Must be done within 8 weeks after it has been debited.
  • Once refund has been selected, the direct debit will be credited to your account within 2 banking days

To refund a direct debit in an IBAN Space:

  1. Login to the N26 mobile app
  2. Tap on ‘Spaces’
  3. Go to the Space you wish to refund a direct debit
  4. Select the direct debit transaction in question
  5. Choose ‘Refund’

*For Non-Euro countries only: If you are setting up a direct debit with a merchant in your home currency, it's the receiving bank who dictates the currency exchange and the ultimate amount that is collected from us. Please check the list of countries:

  • Bulgaria
  • Croatia
  • Czech Republic
  • Denmark
  • Hungary
  • Iceland
  • Liechtenstein
  • Norway
  • Poland
  • Romania
  • Sweden
  • Switzerland