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br403

macrumors newbie
Jan 29, 2019
25
10
Munich, Germany
Well deserved and the overall UX will be improving massively in the next few months due to the new APIs, apparently including instant push being integrated into the main app and lots of other cool stuff.

Hi sir-hd, could you be a little bit more specific with this? Does that mean the old „Meine Karte“ App will be integrated in the „Deutsch Bank Mobile“ app? I have only a MC Travel from DB, no account and would love to use the modern app.

Thanks!
 

-Maxim-

macrumors regular
Sep 8, 2011
146
76
So who wants to start a new thread "Waiting for Apple Card in Germany"? :D

I like the sound of it and I also find it nice, that the card number etc isn't printed on the physical card.
 

4254126

Cancelled
Original poster
Jun 20, 2017
828
855
Looks like it's party time for Austria!

upload_2019-3-26_10-47-20.png
 

Mr-Fly

macrumors 6502
Jan 30, 2018
396
230
Frankfurt, Germany
Yes. Read this today and thought that maybe 1000€ for Apple Pay is too much on the n26 account ....
But fits into the situation a friend of mine had where a full contract was made with his n26 data although he never used it anywhere to pay and was not phished.
I really don’t believe them when they say they had no data missing ....
 

docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
Right. Too much stories about hijacked accounts lately.

And raises even more questions about „Security“ with one app without any second factor.
 

samwa3

macrumors regular
Dec 5, 2018
170
133
Around 4 weeks ago I canceled my N26 account and they still haven't closed it. Never had a problem with them but they're not fast.
 

dschulian

macrumors regular
Apr 29, 2015
242
523
Germany
Maybe people should think twice before clicking on a link inside an email which seems to be sent by their bank.
I can't take that serious, sorry.
 
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Mr-Fly

macrumors 6502
Jan 30, 2018
396
230
Frankfurt, Germany
As you don’t know how it happened I would not judge.
As said a friend of mines account was fraud used without him ever using the n26 account.
It was never used I any payment.
 

docfred

macrumors 6502a
Feb 4, 2018
938
573
Germany
Maybe people should think twice before clicking on a link inside an email which seems to be sent by their bank.
I can't take that serious, sorry.
at other banks, you can click whatever you want ... they can't hijack your complete account, change telephone-numbers, change auth-devices and lock you out of your account just with one single action. that's an issue.

and
at other banks, you can reach somebody at the phone or the local branch. you don't have to email them and wait several days or weeks and then just receive a notification like "well, bad luck. have a nice day".

the problem here is not fraud itself. as a business grows, it is becoming a target. the problem is the proof, that n26 does not have any reliable security on the front or backend and that the "bank" is not reachable for customers and if they are in contact, they don't help their customers.

https://t3n.de/news/n26-diesen-tricks-wurden-kunden-1153702/

Bemerkenswert ist tatsächlich, dass die Sicherheitsmechanismen der Bank trotz des Zusammentreffens mehrerer Auffälligkeiten nicht angeschlagen haben: Änderung der Handynummer (auf ein in England gemeldetes Smartphone), Änderung der E-Mail-Adresse, kompletter Kontoinhalt überwiesen und eine weitere Überweisung bis zum Kreditlimit – und das alles innerhalb von 20 Minuten. Das ist schon so auffällig, dass man sich fragt, was die Aufgabe der Betrugspräventionssysteme ist, wenn sie hier nicht Alarm schlagen.

https://www.heise.de/newsticker/mel...-bei-Betrugsfaellen-ueberfordert-4355970.html

Banking-Startup N26 bei Betrugsfällen überfordert



And these incidents are the reason, why most established banks insist on mail traffic for some processes like changing your main device, changing contact data, etc. not because they can not do it otherwise but because it gives some extra layer of security. with phishing some might get the chance to do one transaction. but they can not get the complete account.
 
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Mr-Fly

macrumors 6502
Jan 30, 2018
396
230
Frankfurt, Germany
Great comment! Could not say it better .....

Crazy enough these kind of calls really happen. Had it last year September when miles and more called me, that there was fraud which they had blocked (after a USA trip the card data was used in some weird regions around the world in relatively short time and without knowing the PIN Number). Happened to a lot of colleagues when they had business trips to US, because the quite often still swipe the card instead of chip or wireless which makes it impossible to copy the card data.
And actually I did not really know wo was on the phone and kept a lot of informations hidden and I asked more into the other direction. Nevertheless it was all ok and they sent me a new card with a new number.
 
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dschulian

macrumors regular
Apr 29, 2015
242
523
Germany
Another thing I can’t explain is the fact that my monthly limit is 20k at N26 despite the fact that my balance is bigger than that.

So they must have been unaware of their situation for 4 month?

I call fake.

Any statement from N26 yet?
 

DennisdeWit

macrumors 6502a
Nov 16, 2016
872
849
The Netherlands
Another thing I can’t explain is the fact that my monthly limit is 20k at N26 despite the fact that my balance is bigger than that.

So they must have been unaware of their situation for 4 month?

I call fake.

Any statement from N26 yet?
It will amaze you how bad the security at especially digital banks (or, banks? They prefer calling theirselves fintechs) can be. If it is true that N26 has been unaware of this situation for 4 months, that would vouch for the good old traditional banks.

I am a customer of one of these fintechs. I had my bank account frozen for multiple times because the fraud detection flagged PayPal transactions. That may sound like a good thing, but as for service:

- I couldn’t login anymore
- Had to find out myself my account was frozen
- No mail or phonecall about it was done
- They don’t have a phone number either
- Once you’re delivered to the hands of abuse departments, they will treat you as a criminal.

Some of these businesses seriously lack some customer service. Which is key. I consider fintechs as a risk and only stall very limited money there, as there is every second a chance your money is (temporarily) unavailable. That’s not sitting well with me.

Yes, they are very innovative and often the ‘old banks’ copy their features. That’s a good thing. But these developments with N26 concern me.

Now it’s up to the customer to prove he didn’t do anything wrong. Until then, it’s bye-bye money.

Today I opened a bank account with the biggest bank of the country. They are sending all the codes per letter. But to their own trusted stores in the neighbourhood. Sounds like a hassle? No, it’s against fraud. In these kinds, the fintechs have some lessons to learn. ;)
 
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