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Hey, how can we help?

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.

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