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SEPA payment transfers: Possible causes if transfers do not arrive

As stated in our Terms and Conditions, we accept transfers in Euro via SEPA. To receive a transfer, you'll only need to provide the sender your full name as it's written on the ID you provided during verification and your IBAN.

You can find your IBAN on your balance statements, on the back of your N26 Mastercard, and in the Control Center ⚙ of your N26 app.

Most common reasons for failed transfers

  • The recipient name on the transfer order is different from the account name
  • The IBAN is incorrect
  • An inappropriate use was identified

If any of the above are true, banks are required to obtain the financial context for the transfer or to reject it. This can result in the credit being delayed or not taking place.

If you use an N26 Business account, which is only available to those who are self-employed or freelancers, make sure the transfer is sent to your full name and not the name of your company. If the name of a company is entered here, we are required to reject it.

Information about transfer time frames can be found here.

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