Original link: https://www.blueskyxn.com/202209/6501.html

Background introduction

Beginning in the early morning of HKT 2022-09-02, a group of friends reported that N26 cards could not be paid. At noon, a large number of users received account closure notices.

The scope of the attack is not only cloud users with Chinese passports, but also foreigners such as France.

The attack range is not 100%, and there are still many users who have not activated their physical cards and who have opened an account for a few days.

Of course, N26 currently chooses Germany, and through passport + video interview, you can still open an account very quickly.

In addition, many digital banks and digital financial accounts have certain risks due to risks and account opening compliance. In principle, it is recommended to focus on consumer demand and avoid risky behaviors such as transferring money without spending or depositing a large amount of funds. Deposit requirements are recommended to deposit in serious multinational banks (such as HSBC, Bank of China, Industrial and Commercial Bank of China, Citibank, DBS Bank)

Account Closing Notice Template

To ensure our customers’ privacy and account safety, we are obligated to run routine checks on accounts and transactions.

As part of these checks, we have identified irregularities that require us to terminate your N26 account pursuant to the Termination Clause of the Terms and Conditions of your N26 account on an extraordinary basis and without prior notice.

This termination is effective immediately. Usage of your N26 account, app, and card is no longer possible.

It is currently not possible to withdraw the remaining balance on your N26 account. Please send us proof of the origin of the funds through appropriate receipts. We will then assess whether a payout of the remaining balance is possible. This information may be emailed as a scan or photo.

If you would like to continue correspondence via email, we’ll need your express consent. Therefore, please reply directly to this email with the above information within the next 14 days and include the following statement:

“I authorize N26 Bank to email me my personal data”.

Please note that you can revoke your consent to the transmission of personal data by email at any time. In this case, we will only communicate by post. It’s important to note that the transmission of your data by post is usually more secure. Please contact us for more information.

Thank you for your understanding.

One last thing—you’ll need to request your N26 data or your Statement of Fees information. You can request this for up to six months after your account closure, but we recommend doing it as soon as possible.

Kind regards,

Your N26 Team

To ensure the privacy and account security of our clients, we are obliged to conduct routine checks on accounts and transactions.

As part of these checks, we have identified a number of breaches that require us to unconventionally terminate your N26 Account without prior notice in accordance with the termination clause in the N26 Account Terms and Conditions.

Such termination is effective immediately. The use of your N26 account, app and card is no longer possible.

There is currently no way to withdraw the remaining balance in your N26 account. Please send us proof of source of funds with the appropriate receipt. We will then evaluate whether it is possible to pay the remaining balance. This information can be sent via email as scans or photos.

If you wish to continue communications via email, we require your express consent. Therefore, please reply directly to this email with the above information within the next 14 days with the following statement.

“I authorize N26 Bank to email my personal data”.

Please note that you can withdraw your consent to the transmission of personal data via email at any time. In this case, we will only communicate by post. It is worth noting that it is generally safer to transmit your data by post. Please contact us for more information.

thank you for understanding.

One last thing – you need to request your N26 data or your fee declaration information. You can request up to 6 months after the account is closed, but we recommend doing so as soon as possible.

kind regards.

Your N26 Team

Request Refund Notice Template

Thanks for forwarding us on the requested information.

We require some further documentation from you in order to consider your return of funds.

Please read carefully and provide us with the following:

– A Source of Funds.

– An Official Documentation of an alternate account in your name (as proof of ownership).

Please provide us with a scanned Balance Statement; it needs to include your full name, address and the alternate account details (IBAN/BIC) and also the name of the financial institution clearly stated. All documents provided should be from within a recent time period .

Please note we only accept SEPA IBANS.

In order to prove the source of funds, below is a list of examples of documents that you could provide as evidence to support your request.

Please note, this serves as a guide only and documentation not listed below may also be provided for our consideration.

– Tax Return (last two taxable years)

– Letter from a Bank or Accountant stating assets

– Bank statement or equities statement

– Payslips showing previous two years’ income

– An accountant’s letter stating a client’s real estate holdings and inheritance suffice for net worth

– Proof of balance at the crypto exchange(s): an account statement or proof of balances letter

– Signed message on private crypto wallet

Please be aware that providing documentation to the Bank is not confirmation or a guarantee that the payout of the funds will be possible. N26 Bank adheres to the strict rules and regulatory guidelines required of as a fully licensed bank.

All documents should include details of transaction, date, amount and kyc information and must be .PDF or .JPEG. These documents will be then checked by the Bank.

N26 Customer Service has no additional information on this subject.

Please respond directly and only to this email.

Best regards,

N26 Customer Service

N26 Bank GmbH

Managing Directors: Maximilian Tayenthal & Thomas Grosse

Klosterstraße 62 | 10179 Berlin | Germany

HRB ID: 170602B (Berlin District Court Charlottenburg) | VAT ID: DE 30/595/7096

Thank you for forwarding the requested information to us.

We need some further documentation from you in order to consider the return of your funds.

Please read carefully and provide us with the following information.

– A source of funding.

– Official documentation of another account in your name (as proof of ownership).

Please provide us with a scanned balance statement; it needs to include your full name, address and backup account details (IBAN/BIC), and it needs to clearly state the name of the financial institution. All provided documents should be from the most recent period.

Please note that we only accept SEPA IBANS.

To demonstrate the source of funding, here are some examples of documents you can provide as evidence to support your request.

Please note that this is only a guide and documents not listed below may also be provided for our consideration.

– Tax returns (for the past two tax years).

– Asset proof letter from bank or accountant

– Bank Statement or Stock Statement

– Pay stubs showing earnings for the previous two years

– A letter from an accountant stating that the real estate and estate held by the client are sufficient to demonstrate net worth.

– Proof of balance from cryptocurrency exchanges: account statement or balance proof letter

– Signature information on private cryptocurrency wallets

Please note that providing documentation to the bank is not a confirmation or guarantee that funds can be disbursed. N26 Bank adheres to the strict rules and regulatory guidelines required to be a fully licensed bank.

All documents should include transaction details, date, amount and Kyc information and must be in .PDF or .JPEG format. These documents will then be checked by the bank.

N26 Customer Service has no additional information on the issue.

Please reply directly and only to this message.

best regards.

N26 Customer Service Department

N26 Bank Limited

managing Director. Maximilian Tayenthal & Thomas Grosse

Klosterstraße 62 | 10179 Berlin | Germany

HRB ID: 170602B (Berlin District Court Charlottenburg) | VAT ID: DE 30/595/7096

Related Links and Case Diagrams

case map

A picture of the consumption effect after a netizen’s account is closed

A netizen was also detained on the same day as Monzo (what a coincidence, I don’t know if there is any connection, maybe it’s a coincidence, but take it as a warning)

Related Links

Bank N26 Sued, Customers Claim Compensation

Links to this site

N26, a European and American multinational digital bank with Germany as the core: low threshold & high ease of use & zero fees & great potential

N26EU and N26US use and demonstration & N26 risk control closure case analysis

N26 EU · DE German Region Video Verification Experience Sharing

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