Why can't I get an overdraft?
ℹ️ Applies to Germany and Austria
Many factors are considered toward your creditworthiness including your SCHUFA or CRIF score (we let both know about any overdraft requests). Being a long-time customer or making your N26 account your main account will have a positive impact on your overdraft application.
If you don’t qualify right now, we can’t change or override the decision on an individual basis. You can just apply again another time.
Still need help? Chat with us!
Open a chat in the Help section of the app or by logging into the WebApp.