I had a very disappointing experience trying to open a joint account with N26.
First, the instructions on the website are incorrect and do not match the actual process in the app. I followed the steps exactly as described, but they simply didn’t work. The chatbot then provided instructions that were also inaccurate, which only made the situation more confusing and frustrating.
After spending a significant amount of time trying to resolve the issue, I finally reached a human agent — only to be told that I am not eligible for a joint account. No explanation was provided, and there was no guidance on why I was rejected or what I could do to become eligible. That lack of transparency is unacceptable for a banking service.
To make matters worse, the app repeatedly crashed when I tried to contact support, which made it nearly impossible to get proper assistance.
Overall, the experience felt unprofessional and poorly supported. For a digital-first bank, I expected a smooth process and clear communication. Instead, I encountered incorrect information, technical instability, and no meaningful customer support.
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