背景介绍

在HKT 2022-09-02 凌晨开始,有群友反馈N26卡无法支付,到了午间时间,大量用户收到了关户通知。

打击范围不仅仅是中国护照的云用户,也包括法国等老外。

打击范围也不是100%,仍然有很多实体卡都没激活、新开户几天的用户正常使用。

当然,目前N26选择德国,通过护照+视频面试,仍然可以很快开户。

另外,很多数字银行、数字金融账户,由于风险和开户合规性,都存在一定的风险,原则上建议以消费需求为主,避免只转账不消费、存大量资金等风险行为,若有大额存款需求建议存正经的跨国银行(比如汇丰银行、中国银行、工商银行、花旗银行、星展银行)

关户通知模板

To ensure our customers’ privacy and account safety, we are obligated to run routine checks on accounts and transactions.

As part of these checks, we have identified irregularities that require us to terminate your N26 account pursuant to the Termination Clause of the Terms and Conditions of your N26 account on an extraordinary basis and without prior notice.

This termination is effective immediately. Usage of your N26 account, app, and card is no longer possible.

It is currently not possible to withdraw the remaining balance on your N26 account. Please send us proof of the origin of the funds through appropriate receipts. We will then assess whether a payout of the remaining balance is possible. This information may be emailed as a scan or photo.

If you would like to continue correspondence via email, we’ll need your express consent. Therefore, please reply directly to this email with the above information within the next 14 days and include the following statement:

"I authorize N26 Bank to email me my personal data".

Please note that you can revoke your consent to the transmission of personal data by email at any time. In this case, we will only communicate by post. It’s important to note that the transmission of your data by post is usually more secure. Please contact us for more information.

Thank you for your understanding.

One last thing—you’ll need to request your N26 data or your Statement of Fees information. You can request this for up to six months after your account closure, but we recommend doing it as soon as possible.

Kind regards,
Your N26 Team

为了确保我们客户的隐私和账户安全,我们有义务对账户和交易进行例行检查。

作为这些检查的一部分,我们发现了一些违规行为,需要我们根据N26账户的条款和条件中的终止条款,在不事先通知的情况下,非常规地终止您的N26账户。

这种终止是立即生效的。您的N26账户、应用程序和卡片的使用不再可能。

目前无法提取您的N26账户中的剩余余额。请通过适当的收据向我们发送资金来源的证明。然后我们将评估是否有可能支付剩余的余额。这些信息可以通过电子邮件以扫描或照片的形式发送。

如果你想通过电子邮件继续通信,我们需要你的明确同意。因此,请在未来14天内将上述信息直接回复本邮件,并附上以下声明。

"我授权N26银行通过电子邮件发送我的个人数据"。

请注意,你可以在任何时候撤销你对通过电子邮件传输个人资料的同意。在这种情况下,我们将只通过邮寄进行沟通。值得注意的是,通过邮寄传输您的数据通常更安全。请联系我们了解更多信息。

谢谢你的理解。

最后一件事--你需要申请你的N26数据或你的费用声明信息。你可以在账户关闭后6个月内提出要求,但我们建议尽快办理。

亲切的问候。
您的N26团队

申请退款通知模板

Thanks for forwarding us on the requested information.

We require some further documentation from you in order to consider your return of funds.

Please read carefully and provide us with the following:

- A Source of Funds.

- An Official Documentation of an alternate account in your name (as proof of ownership).

Please provide us with a scanned Balance Statement; it needs to include your full name, address and the alternate account details (IBAN/BIC) and also the name of the financial institution clearly stated. All documents provided should be from within a recent time period.

Please note we only accept SEPA IBANS.

In order to prove the source of funds, below is a list of examples of documents that you could provide as evidence to support your request.

Please note, this serves as a guide only and documentation not listed below may also be provided for our consideration.

- Tax Return (last two taxable years)

- Letter from a Bank or Accountant stating assets

- Bank statement or equities statement

- Payslips showing previous two years' income

- An accountant’s letter stating a client’s real estate holdings and inheritance suffice for net worth

- Proof of balance at the crypto exchange(s): an account statement or proof of balances letter

- Signed message on private crypto wallet

Please be aware that providing documentation to the Bank is not confirmation or a guarantee that the payout of the funds will be possible. N26 Bank adheres to the strict rules and regulatory guidelines required of as a fully licensed bank.

All documents should include details of transaction, date, amount and kyc information and must be .PDF or .JPEG. These documents will be then checked by the Bank.

N26 Customer Service has no additional information on this subject.

Please respond directly and only to this email.

Best regards,

N26 Customer Service

N26 Bank GmbH

Managing Directors: Maximilian Tayenthal & Thomas Grosse

Klosterstraße 62 | 10179 Berlin | Germany

HRB ID: 170602B (Berlin District Court Charlottenburg) | VAT ID: DE 30/595/7096 

谢谢你向我们转发所要求的信息。

我们需要你提供一些进一步的文件,以便考虑你的资金归还。

请仔细阅读并向我们提供以下信息。

- 一个资金来源。

- 你名下的另一个账户的正式文件(作为所有权的证明)。

请向我们提供一份扫描的余额报表;它需要包括你的全名、地址和备用账户的详细信息(IBAN/BIC),还需要明确说明金融机构的名称。 所有提供的文件都应该是最近一段时间内的。

请注意,我们只接受SEPA IBANS。

为了证明资金来源,以下是你可以提供的文件例子,作为支持你请求的证据。

请注意,这只是一个指南,下面没有列出的文件也可以提供给我们考虑。

- 报税单(过去两个纳税年度的)。

- 银行或会计师出具的资产证明信

- 银行对账单或股票对账单

- 显示前两年收入的工资单

- 会计师的信,说明客户持有的房地产和遗产足以证明净资产。

- 加密货币交易所的余额证明:账户报表或余额证明信

- 私人加密货币钱包上的签名信息

请注意,向银行提供文件并不是确认或保证可以支付资金。N26银行遵守作为一个完全持牌银行所需的严格规则和监管准则。

所有文件应包括交易细节、日期、金额和Kyc信息,并且必须是.PDF或.JPEG格式。然后,这些文件将由银行检查。

N26客户服务部没有关于这个问题的其他信息。

请直接且仅回复此邮件。

最好的问候。

N26客户服务部

N26银行有限公司

常务董事。Maximilian Tayenthal & Thomas Grosse

Klosterstraße 62 | 10179 Berlin | 德国

HRB ID: 170602B (Berlin District Court Charlottenburg) | VAT ID: DE 30/595/7096

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20220924更新

在关户了2批之后,又有不少人被要求重新验证账户,说旧的材料无效,否则无法访问账户

之前 被冻结的钱基本上是要不回来的了,好像是要EEA的资金来源证明