CFPB Consumer Complaint Profile
N26 Inc.
Behind the 90 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 90
- Total complaints
- Mid-range
- 1
- Last 12 months
- 100%
- Timely response
- Top decile
- 26
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, N26 Inc. has accumulated 90 complaints, placing it #1391 by volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1391
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Checking or savings …
- most-complained product
- 26
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
N26 Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 2 |
| 2020 | 38 |
| 2021 | 39 |
| 2022 | 5 |
| 2023 | 4 |
| 2025 | 1 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for N26 Inc.
The CFPB Consumer Complaint Database has logged 90 complaints against N26 Inc. overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 26 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Checking or savings account," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against N26 Inc. draw a 100% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, the consumer-relief closure rate is 1.1%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does N26 Inc. have?
N26 Inc. has 90 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does N26 Inc. respond to complaints on time?
N26 Inc. has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for N26 Inc.?
Among all products tied to N26 Inc., "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with N26 Inc.?
"Managing an account" is the single most frequently cited issue in complaints against N26 Inc. - see all issues and counts above.
How do I file a complaint against N26 Inc.?
You can file a complaint against N26 Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about N26 Inc.?
Consumers in 26 states and territories have filed complaints about N26 Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does N26 Inc. have?
N26 Inc. has 90 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does N26 Inc. respond to complaints on time?
N26 Inc. has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for N26 Inc.?
Among all products tied to N26 Inc., "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with N26 Inc.?
"Managing an account" is the single most frequently cited issue in complaints against N26 Inc. - see all issues and counts above.
How do I file a complaint against N26 Inc.?
You can file a complaint against N26 Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about N26 Inc.?
Consumers in 26 states and territories have filed complaints about N26 Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.