Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

N26 vs NBT Bank

N26 4.6★ · Free to download 70
Winner N26
NBT Bank 4.7★ · Free to download 45

N26 is generally preferred for its user-friendly app and international features, while NBT Bank struggles with app reliability and outdated functionality.

Full reviews: N26 · NBT Bank

N26 offers a modern digital banking experience with easy setup and international usability, though it faces issues with account blocks and customer support. NBT Bank, a traditional bank, is praised for its in-person service but is frequently criticized for its slow, buggy, and outdated mobile app.

Head to head

Features & Functionality edge: N26R2R5R12R20
N26 N26 users appreciate its easy setup, digital processes, and international usability, with many finding it a good option for expats and students R5R20R51. It supports Apple Pay and offers quick fraud resolution . However, some users find it increasingly complex and note issues with specific payment systems like iDEAL . There are also complaints about a focus on investments over core banking R12 and lack of Chinese language support R2.
NBT Bank NBT Bank offers standard banking features like bill pay and mobile check deposits, which some users find easy to use . However, many users report significant limitations, such as difficulty printing ledgers , issues with setting up external accounts , and problems with automatic payments . The app is criticized for not showing full transaction history or detailed payment information for loans R110R112, and it doesn't support NBT credit cards within the app .
Ease of Use & App Experience edge: N26R1R5R7R10
N26 Many N26 users praise the app for being user-friendly, intuitive, and easy to navigate . The digital setup process is often highlighted as fast and convenient R5. However, recent reviews indicate significant app instability, with crashes during identity verification R10R13, login issues R1R16, and freezing . Some users also report the app no longer working with older iOS versions R7 or being buggy on newer ones .
NBT Bank NBT Bank's app is widely criticized for being slow , buggy, and prone to crashing . Users describe the interface as awful, outdated, and not intuitive R64. Many struggle with basic functions like logging in or making payments R64R114. While some recent reviews mention improvements and ease of use , the overall sentiment points to a poor user experience.
Reliability & Account Management tieR4R8R9R13
N26 N26 is praised by long-term users as reliable R8. However, a significant number of recent reviews highlight severe reliability issues, including accounts being blocked or closed without warning R4, funds being frozen , and problems with identity verification preventing account access R9R13. Some users also report issues with payments failing or contactless payments being refused .
NBT Bank NBT Bank's reliability is a major concern for users. The app frequently experiences downtime and issues , leading to difficulties in moving money and making payments R114. Users report inaccurate account balances, especially on weekends , and problems with duplicate charges . The overdraft system is also criticized for charging fees even when funds are transferred the same day R82.
Customer Support tieR6R9R13R16
N26 N26 customer service receives mixed reviews. Some users find it fast, reliable, and professional , and appreciate immediate assistance with fraud . However, many others describe support as unhelpful, unresponsive, and difficult to reach R6R9R13R16. Users report being ghosted in chat R13, receiving generic or clueless responses , and experiencing long, difficult processes to regain account access after issues like theft .
NBT Bank NBT Bank is highly praised for its in-person customer service and friendly staff at physical branches . However, the app's tech support is not mentioned, and the focus is on the positive experience with human interaction at branches. This suggests that digital support might be less prominent or effective, aligning with the app's overall poor performance.
Price/Value edge: N26R50R51R54R82
N26 N26 is generally seen as a good value, with some users highlighting it as a cheap option R51. However, there are complaints about unexpected charges on 'free accounts' R54 and additional fees for certain transactions, such as those involving gambling sites R50.
NBT Bank NBT Bank users express dissatisfaction with certain fees, specifically daily overdraft fees R82 and general service charges . While the app is free to download, the value proposition is diminished by its poor functionality and associated fees.
Pick N26 if

Pick N26 if you are looking for a modern, digital-first banking experience, especially if you are an expat or international student needing easy setup and cross-border functionality R5R20R51. It's also a good choice if you prioritize a generally user-friendly app interface and quick fraud response .

Pick NBT Bank if

Pick NBT Bank if you value strong in-person customer service and have access to their physical branches . It might be suitable if your banking needs are simple and you primarily interact with the bank through its staff rather than relying heavily on the mobile app.

Evidence note: N26 reviews show a clear split between long-term satisfaction and recent issues, particularly with app stability and account access. NBT Bank reviews consistently highlight excellent in-person service but overwhelmingly negative experiences with the mobile app.

Frequently asked

Does N26 support older iOS versions?
Based on user reviews, N26 no longer works with iOS 16 and does not allow the use of older app versions, making it unusable for phones not eligible for iOS 17 R7.
Can I open an N26 account if I'm not from Europe?
While N26 is popular for expats and international students in Europe R5R20, some users from specific regions like Libya or Hong Kong have reported issues with account opening or signup R36R44.
Is NBT Bank's mobile app reliable for managing loans?
Many NBT Bank users report that the app is unreliable and difficult for managing loans, with issues seeing what is owed, making payments, or setting up automatic payments, leading to frustration and even late fees R64R110R112R114.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] N26 5/5 · US Please support Chinese for the app.: Please support Chinese for the app.
  2. [R5] N26 5/5 · US Fresh in Berlin: Just arrived in Berlin and in need for bank account. N26 was a total blast. Completed everything digitally within less than 1 hour
  3. [R12] N26 3/5 · GB Less bank more investment now: Increasing focus on pyramid scheme scams (crypto currency) and investments makes the app less pleasant to use, which is unfortunate as I’m overall happy with the banking bits.
  4. [R20] N26 4/5 · US 5 years great bank: We have been using N26 for 5 years. There have been a few glitches and there are changes I’d like made. But this is a robust service that has allowed us to handle financial transactions as expats really seemlessly. Without the N26 app, we would have had great difficulty integrating into Germany. And the app has continued to add improvements.
  5. [R1] N26 1/5 · US Cannot log in: Cannot log in for some unknown reason. It's trash. · translated
  6. [R7] N26 1/5 · US no longer works with iOS 16: N26 no longer works with iOS16, and does not allow use of older versions of the app. My phone is not eligible for iOS 17, and so N26 no longer works for me.
  7. [R10] N26 1/5 · US Broken build!!!: The selfie camera for identity check crashes the app. No way to login. That’s terrible experience.
  8. [R4] N26 1/5 · US Abusive neobank: Avoid. They blocked our grandma account for receiving 500 EUR from her son. They wanted proof of source of funds. I guess this is how drug dealers launder money in N26 world. By sending old people 500 EUR. Idiocy.
  9. [R8] N26 5/5 · US Perfection 🙏🏼: I’m using this bank since 6 years now and I adore it
  10. [R9] N26 3/5 · US Too much AI and too little human control: Opening a bank account is failing for me with some technical ID. For more than a week I’m trying to figure out with support what is the problem. Looks like some alert, but they can not say for sure what. If the bank is so bad at opening an account I would expect it to be even worse at serving it
  11. [R13] N26 1/5 · US Horrible: The app got me stuck in a loop during identity verification. So app is unusable for me. Not only the app is unusable but the whole company is absolutely horrible, got in touch with them TWICE via chat, trying to explain what is happening, like I really wanted to open an account with them, I got ghosted in the chat, TWICE, not a connection problem, they just didnt bother to follow up. The
  12. [R6] N26 3/5 · US No pin received: It is 23:40 and I am not receiving a verification pin, since no human is working! The chat both told me to Seite until the next day 🤨! For what you have a chat when they are not able to help?
  13. [R16] N26 1/5 · US Can't open it after update: To no use has been support so far
  14. [R50] N26 1/5 · US DO NOT BANK WITH THEM: I had no problems with this bank for 2 years until a series of events soured my experience. They are great until you need something from them, then good luck! Stick with established banks that care about your loyalty. I was scammed and literally 0 help from support. I lost 2000 and they took extra money because the scammers used a gambling site which “constitutes an extra
  15. [R51] N26 5/5 · US Best Card and Bank: The system is perfect, because you need to test your bank when you are out of the country. N26 is the best bank which works inland and abroad. Everything is easy and really cheap. Thanks N26 family
  16. [R54] N26 1/5 · US “Free account” is a scam: If I signed up for a “free account”, why do I keep getting charged? I am sick of these greedy companies lying to its customers. Join the class action lawsuit against greedy N26.
  17. [R82] NBT Bank 1/5 · US Just don’t bother.: ’ve been a longtime NBT customer, but I think it may finally be time to move on. My biggest frustration is the overdraft system. There have been multiple times where my account went negative temporarily, but I transferred money into the account the same day, sometimes even before 8PM, and still ended up with overdraft fees. Other banks I use are much more understanding with sm
  18. [R36] N26 1/5 · US Hong Kong mobile can't signup: 8524××××××× is not working please fix it ASAP
  19. [R44] N26 1/5 · US Very bad: In my opinion, it's very bad because we can't open an account with it since I'm Libyan. I hope you can help me.
  20. [R64] NBT Bank 1/5 · US Awful: Only have this to pay my auto loan, the UX is awful and outdated. Making payments is far more complicated than it should be
  21. [R110] NBT Bank 1/5 · US Apps and bank sucks: I can’t see what I owe when I owe it. Horrible bank to have a loan with. I have no clue when I am paying it I opted into paperless so I can keep track but now I’m more lost then when I had paper. I have to know dig through mail just to figure out what I owe if I’m late I hate this bank. I can’t opt into text I can’t get emails this bank sucks I would never have a bank account
  22. [R112] NBT Bank 1/5 · US Not intuitive: This app is definitely not intuitive or helpful. There is no place that tells me my monthly payment. I see no place where I can choose to make an extra payment and have it be attached to the principal only. The capital one auto loan app was much better and you received all the information you needed.
  23. [R114] NBT Bank 1/5 · US The app sucks: The app never works to pay a car payment and so we had late fees. We didn’t even know about had to drive an hour and a half to go to an NBT branch just to get this straightened out. DIDN’T EVEN KNOW WE HAD LATE FEES BECAUSE WE CAN’T LOG INTO THE APP! Sucks!

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store