N26 will cut you off from MasterCard 90 days consumer protection program. When filing a chargeback with N26 for the fraudulent transaction, they have automated copy-paste reply saying the following:
"The evidence provided by the merchant proves their claim to be valid, therefore, we are unable to dispute the transaction further."
They did not even let you see what was the "evidence". To say nothing why it was "valid" and who decides on that... In any case if merchant provides any reply to them, they will close the dispute process and you will loose your money. Believe me, they will use the same wording in 100% of cases, does not matter what the reply from merchant is. Never use credit cards issued by this bank, they will screw you over by providing a visibility of protection. It's actually not!
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