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

N26 vs Sendwave Send & Transfer Money

N26 4.6★ · Free to download 70
Winner Tie
Sendwave Send & Transfer Money 4.7★ · Free to download 70

N26 is better for those seeking a full-service digital bank with international features, while Sendwave is better for quick, reliable international money transfers, despite recent issues with fees and customer service.

Full reviews: N26 · Sendwave Send & Transfer Money

N26 offers a comprehensive digital banking experience, praised for its ease of setup and international utility, though it faces issues with app stability and customer support for complex problems. Sendwave excels in fast international money transfers, but recent changes have introduced fees and led to complaints about transfer delays and customer service.

Head to head

Features tieR2R5R12R20
N26 N26 is a full digital bank, offering features like quick account setup, Apple Pay integration, and international IBANs, making it suitable for expats and international students R5R20R43. However, some users feel the app is becoming too complex and cluttered, moving away from its initial simplicity R12. There are also requests for language support like Chinese R2.
Sendwave Send & Transfer Money Sendwave is designed for international money transfers, with users highlighting its speed and ease of use for sending money to family abroad . However, recent updates have introduced transaction fees and lower exchange rates compared to competitors, which has disappointed long-time users R63R69R90. Some users also report issues with monthly sending limits .
Ease of Use edge: Sendwave Send & Transfer MoneyR1R5R7R9
N26 N26 is generally praised for its user-friendly interface and quick digital setup process R5. However, many users experience significant difficulties during account opening and identity verification, with issues like app crashes during selfie checks, login problems, and verification loops R1R7R9R10. Some also find the app buggy, especially with newer iOS versions R7.
Sendwave Send & Transfer Money Sendwave is widely considered easy to use for initiating transfers . However, the app has issues with login when traveling internationally and some users find the system outdated, struggling with document uploads for verification .
Reliability tieR4R7R8R10
N26 N26 users report mixed experiences with reliability. While some have used it for years without issues and praise its stability R8, others face critical problems like accounts being blocked or closed without warning, funds frozen, and failed transactions R4R19. App bugs, especially with identity verification and newer iOS versions, also impact reliability R7R10.
Sendwave Send & Transfer Money Sendwave's reliability has declined, with many recent complaints about delayed transfers, some taking days or even weeks R70R72R73R78. Users also report transactions being denied and accounts being permanently deactivated without clear reasons, sometimes with funds held .
Price/Value tieR51R54R63R64
N26 N26 is a free-to-download banking app, and many users appreciate its value as a digital bank, especially for international transactions R51. However, some users complain about unexpected charges on 'free accounts' R54.
Sendwave Send & Transfer Money Sendwave was initially praised for its no-fee transfers , but recent changes have introduced transaction fees, which has been a major point of dissatisfaction for many users R63R69R90. Users also note that exchange rates are sometimes lower than competitors R64.
Customer Support edge: N26R6R9R13R19
N26 N26 customer support receives mixed reviews. Some users report fast, reliable, and professional communication . However, a significant number describe it as useless, unresponsive, or incompetent, with chat bots being unhelpful and human agents providing generic, unhelpful responses or ghosting users R6R9R13R19.
Sendwave Send & Transfer Money Sendwave's customer service is a major pain point. Many users describe it as terrible, unhelpful, and frustrating, with automated responses, agents ending chats abruptly, and no resolution for delayed transfers or account issues R70R73.
Pick N26 if

You need a full-service digital bank, especially if you are an expat or international student in Europe, and value a generally user-friendly app for daily banking R5R20R47.

Pick Sendwave Send & Transfer Money if

You primarily need to send money internationally quickly and easily, and are willing to accept potential transaction fees or occasional delays .

Evidence note: Both apps have a mix of positive and negative recent reviews. N26's negative reviews often focus on account opening friction and customer support, while Sendwave's recent negative reviews highlight new fees and transfer delays, indicating a decline in service quality for some users.

Frequently asked

Does N26 support international users?
Yes, N26 is highly regarded by expats and international students for its easy digital setup, provision of a German IBAN, and seamless international financial transactions R5R20R43R47.
Are there fees for using Sendwave?
Yes, Sendwave has recently started charging transaction fees, which has disappointed many long-time users who previously enjoyed fee-free transfers R63R69R90R97.
What are common issues with N26?
Common issues with N26 include difficulties with account opening and identity verification (such as app crashes during selfie checks or verification loops), login problems, and accounts being blocked or closed without clear reasons R1R9R10R13.
How fast are Sendwave transfers?
While Sendwave advertises instant transfers and many users praise its speed, there are numerous recent complaints about significant delays, with transfers taking days or even weeks to be processed R70R72R73R78.

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. [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
  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. [R10] N26 1/5 · US Broken build!!!: The selfie camera for identity check crashes the app. No way to login. That’s terrible experience.
  11. [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
  12. [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.
  13. [R63] Sendwave Send & Transfer Money 3/5 · US They now have transaction fees: Only 3 stars because they now charge for transaction fees. Other similar apps have no fees.
  14. [R64] Sendwave Send & Transfer Money 1/5 · US It’s not good as before: Update. I was wrong when I thought this app couldn’t get any worse, it did. But I’m glad to report that I deleted it and switched to Nala. This app significantly sucks ever since it was bought over. Constant delays in deliveries and the slight increased rate. I’ll be shopping around for something that better suits my needs
  15. [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?
  16. [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
  17. [R19] N26 1/5 · US Don’t use this bank: Totally awful bank. I have never felt so scammed by a financial institution in my life. First they demand, almost in a rush, that I transfer my own money to another account “to avoid problems,” giving me a 30‑day deadline as if they were doing me a favor. Communication is terrible: confusing messages, changing conditions, and no one willing to take responsibility; just generic
  18. [R43] N26 5/5 · US They met all my needs as a Bank: Great app and easy sign up process. Provides Deutsch IBAN
  19. [R47] N26 5/5 · US Great for international students: Extremely easy setup and verification, does not require documents which take weeks to receive from the city. Also great interface and cash26 service. Can not speak to security but I have only had positive experiences.
  20. [R69] Sendwave Send & Transfer Money 3/5 · US Charges: I have used and loved Sendwave about 6yrs with no complaints. Recently they started charging to send money which I’m not a fun of. TBH if another better app comes along I might switch up.
  21. [R90] Sendwave Send & Transfer Money 3/5 · GB The charging fee: The service is good ,but the charging fee per transaction is too much
  22. [R97] Sendwave Send & Transfer Money 1/5 · US Extra fees: They now charge a fee. It barely works anymore
  23. [R70] Sendwave Send & Transfer Money 1/5 · US False promise of instant transfers: 1 Star Very disappointing experience. This app advertises instant money transfers, but my transfer has been pending for over 24 hours with no resolution. I relied on their promise of fast delivery, and the delay has caused unnecessary stress and inconvenience. Customer support made the experience even worse. The responses felt automated and unhelpful, with no
  24. [R72] Sendwave Send & Transfer Money 3/5 · US Took time to reflect: First time to try sendwave bec of a friend’s referral. Delivery successful but took time to reflect on the Philippine bank account. Had to call sendwave and the Philippine bank before the money is seen on the Philippine bank account.
  25. [R73] Sendwave Send & Transfer Money 1/5 · US Service is going down very bad!!: I have been using this app for years and it has been great until just recently when I made a transaction that takes dayssss in progress state and reaching out to them to solve the problem has been quite frustrating as they always say “they escalated the complaint “ blah blah blah “email was sent to the partner” blah blah blah and that partner was idle for days bec
  26. [R78] Sendwave Send & Transfer Money 3/5 · GB Good rates but slow on transfers.: My issue was sorted but it took very long, keep in mind on urgent cases they are not reliable.

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