N26 Bank It is an essentially digital bank, legally authorized to operate in European countries. It is considered one of the largest institutions in the world in the Digital Banking segment.
N26 has been operating with a full European banking license since 2016. It currently has over a thousand employees working in different countries and serving over 2.5 million customers.
N26 Bank is headquartered in Berlin, but is already present in more than 24 countries, including Brazil, although it is not yet fully operating in our country.
Many people want to open a N26 Bank Account, considering this to be one of the best digital banks in the world, and for this they know they need to contact the Institution directly.
N26 Bank Phone Number
N26 Bank does not yet have a customer service available in our country, so we cannot yet provide the institution's telephone number, but you can access the website which is already available in Brazil.
N26 Bank website in Brazil
If you want to contact N26 Bank in Brazil, you can access the institution's website directly:
N26 Waiting List
One of the most sought-after digital accounts in the world will soon be available to Brazilians. In addition to providing a website, the Bank has also set up a system so that interested people can register on a waiting list.
As soon as N26 starts operating in Brazil, you will have priority in opening an account. Go to the bank's website and register now!
Is it possible to open an N26 Account abroad?
Many people who want to open an account at this bank do not know, but it is possible to open a Digital Account at Banco N 26 even if you reside in the country.
This way, you don't need to wait for the bank to release accounts in Brazil to have access to an excellent digital bank.
Conditions for opening an N26 account
To open a digital account at N26 bank, you must meet the following conditions:
- Be 18 years of age or older;
- Have an address in one of the countries where N26 already operates – the list currently includes: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, United States;
- Have a smartphone with internet access that is compatible with the N26 app;
- To have one of the permitted documents for verification
Proof of income is not required.
But be careful:
- Brazilians can use their passport, but since 2019 they must have a visa that proves authorization to legally reside, either permanently or temporarily, in one of the European countries where N26 already operates, for at least 12 months.
- Brazilians who have European citizenship, whether from Portugal, Italy or any other country, are exempt from presenting proof of residence. They simply need to open the account with their European passport.
- N26 does not yet ship cards to addresses in Brazil (but has announced plans to do so soon). In the meantime, to open an account you can select an address in Europe where you trust the card can be sent.
Step by Step Guide to Opening an Account
Opening a bank account with N26 is a simple and straightforward process. According to the company, the entire process can be completed in 8 minutes. Follow the steps below:
- Visit the N26 website in this link and click “Open Bank Account”;
- Choose the country where you live (or the European country where you want the card to be sent). PS: If you choose “Brazil”, your name will be placed on a waiting list until N26 starts operating in the country;
- Fill in your personal details, such as name, date of birth and address (to send the card);
- Choose the desired account type: N26 or N26 You or N26 Metal;
- Validate your email and download the N26 App;
- In the app, confirm your details by uploading a photo of yourself and the data sheet of your passport or chosen document for verification;
- Once approved, your card will be generated and issued. Choose regular delivery (free, within 10 days) or express delivery (€25, within 2 or 3 business days).
N26 Bank Ombudsman
The ombudsman's office is a specific body that exists within the company and that plays a very important role. This is because it is through this sector, the ombudsman's office, that the company can evaluate, identify and monitor the service standard of its staff.
In general, people end up contacting an ombudsman when they have a problem with N26 Bank. and common service, unfortunately, cannot resolve this issue. The ombudsman, therefore, must listen to its customers' complaints and has the duty to ensure that the demand is always investigated and evaluated in an impartial and fair manner.
Each company defines its own approach and the way the sector operates. Some, for example, end up choosing to outsource this service in order to ensure greater impartiality.
Others choose to select their own employees, who are already familiar with the company's values, exchange or return policy, and refund processes.
In the Ombudsman's Office, you can present compliments, suggestions, requests, complaints, statements and claims. The interesting thing about the ombudsman's office is that, in addition to investigating your issue, it also generates an effect on the company.
As soon as N26 Banco's customer service becomes available in Brazil, it is likely that the institution will create an ombudsman service to assist customers.
Complaint to the Central Bank of Brazil
Many users of banking services do not know, but when they have some kind of problem with a bank and the bank does not resolve it through its ombudsman, a very practical and viable alternative is to make a complaint to the Central Bank.
The Central Bank of Brazil is a highly regarded institution and, among other responsibilities, it is responsible for regulating and supervising the national financial system. The institution also currently works to ensure the stability of the purchasing power of money.
In the specific case of Banks, the Central Bank supervises and controls banking institutions, aiming to prevent abuses and other arbitrary acts that may be committed by the country's financial agents.
So if you had a more serious problem with the N26 Bank or any other financial institution and this problem was not resolved by the ombudsman, you can register your complaint very simply on the Central Bank website.
Once the complaint has been made, the Central Bank will contact the N26 Bank to request information about the complaint made.
In normal situations, the Central Bank takes around 8 to 10 business days to respond to the citizen. However, this period depends largely on how long the bank that was complained about takes to respond.
If your complaint is fair, the Bank will usually reverse its procedure or in some way seek to correct the error made, notifying the Central Bank about this occurrence.
Logically, if your complaint to the Central Bank is unfounded, no action will be taken, as the Central Bank will analyze your case and forward it to the institution, acting in this case as a mediator of the problem.
As previously mentioned, it is very simple to file a complaint with the Central Bank. The entire procedure is carried out online, and it is important that you register an email address to receive notifications each time the process is processed.
Another very important point to remember is the need to have the complaint receipt protocol at the Bank on hand. Have this number on hand as you will need it when making your claims.
It is also important to clarify that the Central Bank will ask you to write a text explaining exactly what happened between you and the bank. At this point, be as detailed as possible, providing the date, time, name of the attendant, what was said, protocol number, etc. Don't leave anything out!
Step by step: making a complaint on the Central Bank website
To initiate the complaint procedure at the Central Bank, you can click here.
As you can see in the image above, you must enter your CPF number and select Complaint against Financial System Institutions.
Solve the Captha and the screen will open for you to fill in the necessary data:
- Choose the name of the Institution
- Select Subject
- Enter your message, stating the complaint you want to make
- Enter the Financial Institution's protocol number
From there, the Central Bank will ask for your email and telephone number, generating the service protocol after that.
With the complaint protocol in hand, as stated above, you just need to wait for the bank's response regarding your complaint.
Questions and Answers about Complaints at the Central Bank
1- Which institutions does the Central Bank supervise?
The Central Bank supervises multiple banks, commercial banks, cooperative banks, investment banks, development banks, exchange banks, savings banks, credit unions, credit, financing and investment companies, real estate credit companies, leasing companies, exchange brokerage companies, securities brokerage companies, securities distribution companies, development agencies, mortgage companies, credit companies for microentrepreneurs and small businesses, payment institutions and consortium administrators.
2- Can I file a complaint against an Institution authorized to operate by the Central Bank?
Yes, complaints may be filed by customers and users of products and services from financial institutions and other institutions authorized to operate by the Central Bank, such as credit unions, payment institutions and consortium administrators, whenever there is evidence of non-compliance with legal and regulatory provisions whose supervision is the responsibility of this Agency.
3- Does a complaint to the Central Bank have the same effects as a lawsuit?
No. The Central Bank acts in the administrative sphere and does not replace legal action. Therefore, if your problem is not resolved by the Central Bank, you can file a lawsuit.
4- Does the Central Bank regulate the waiting time in bank queues?
No. The Central Bank does not regulate waiting times in queues. There are state and municipal laws that address this issue. It is up to consumer protection agencies (Procon, Prodecon, Decon) to provide guidance on this topic.
5- Does the Central Bank set the value of fees charged by banks?
The Central Bank does not determine the amount of fees. However, there are some services that banks must provide free of charge. Subject to the prohibitions, each institution is free to establish the amount of its fees.
