T&Cs of N26 AG for N26 10th birthday

The legal entity offering the competition (‘N26’) is the N26 entity identified below that has a contractual relationship with the eligible customer, as applicable:
  • N26 Bank AG, Voltairestr. 8, 10179 Berlin, Germany
  • N26 Bank AG, Spanish Branch, Paseo de la Castellana, 43, 28046 Madrid, Spain
  • N26 Bank AG, French Branch, 17-21 rue Saint Fiacre, 75002 Paris, France
N26 is the sole organiser of the competition. Any payouts are managed directly by N26. N26 is hosting a giveaway on its social media account on the social media network Instagram hereinafter referred to as the “Competition”). By entering the Competition you as the participant (hereinafter referred to as “You” or the “Participant”) agree to be bound by the following terms and conditions (hereinafter referred to as “T&Cs”):

T&Cs for N26 10th birthday Giveaway

(Version 1.0., Date: 26/01/2025)

1. General conditions of participation / Competition

Participation in the Competition of N26 is based exclusively on these T&Cs. In order to participate in the Competition, You must have an account with N26, and:
  • Have a public Instagram account
  • Comment the Competition post with your favourite moment with N26
  • Share the post of the giveaway in your story
  • Follow the Instagram account you tag in your Instagram Stories. (@n26es, @n26de, @n26at, @n26fr, @n26)
N26 will select one winner throughout the Competition Period (dates to be defined under 3.). The winner will be chosen randomly by an independent jury of N26 employees that will judge all posts deemed appropriate in accordance with the above i.e. comment, share the post of the giveaway on the story and follow N26 Instagram channel (@n26es, @n26de, @n26at, @n26fr, @n26) . By participating, you give us permission to contact you via private message on Instagram, if you have won (see Privacy Notice below under II. for details on data processing). Participation is free of charge. Neither signing up to a N26 (Premium) account nor subscribing to the newsletter will increase a Participant’s chance of winning. By posting a photo, video or other content and tagging N26 in the context of this Competition Participant grants N26 a non-exclusive right to publish, distribute and copy such content on the N26 Instagram accounts for the purpose of promotional communication and information about the Competition including prize presentation. Clause 9 applies.

2. Eligibility for Participation

Participants must be of legal age (18 years or older) and must be a N26 customer from one of the European N26 markets, except the Italian market. N26 customers from the Italian market are excluded from participating in the Competition. Employees of N26 are also excluded from participating in the Competition. N26 Flex customers are not eligible to participate in the Competition. N26 reserves the right, at its sole discretion, to disqualify and exclude any Participant who is suspected to infringe the present T&Cs, or any laws against generally accepted good practices or public order. In this case the excluded Participant will not be eligible to win. Individuals who have made use of unauthorised aids or other kinds of manipulation to gain an advantage will also be excluded. In such cases, prizes may also be rescinded and recalled, if necessary.

3. Competition period

The Competition period is January 26th 2025, 09:00 am CET until January 30th 2025, 11:59 pm CET. Participations outside of the Competition period are not eligible to win the prize.

4. Prize

One winner will receive a transfer of 10.000€ (hereinafter referred to as the “Prize”). Prize claims are non-transferable.

5. Announcement of the winner

The winner will be contacted via private message on Instagram up to 3 laboral days after the end of the Competition period. The winner might need to share information that is required to verify their eligibility and to hand over the Prize (ie: email address for their N26 account). The winner is responsible for the accuracy of the personal information provided. The Prize will be paid by bank transfer to the winner by February 28th 2025. If the Prize is not claimed within 48 hours following N26's notification, N26 reserves the right to select an alternative winner. N26 may leave a comment below the initial post announcing the Competition to inform the other Participants that the winner has been selected. N26 may further share the content provided by the winners as described in clause 1 and may announce the name of the winner.

6. Premature closure of the Competition

N26 reserves the right to cancel the Competition at any time without prior notice. In particular, but not limited to, N26 may cancel the Competition in case of technical issues (e.g. computer viruses, manipulation or hard/software errors), or if, due to legal reasons, the Competition cannot be properly implemented. Should a Participant be cause for the cancellation of the Competition, N26 may demand compensation for damage.

7. Liability

N26 shall use its reasonable endeavours in the organisation and management of this Competition. If, however, damages occur resulting from the Competition itself, from publishing the winner’s name or for any other reason, N26 will accept no liability. N26 takes no responsibility for potential print or spelling mistakes, as well as other similar errors of any other kind in published material.

8. Promotion on social media

N26 is the sole organizer of the Competition. The Competition is in no way sponsored, endorsed, administered by or associated with Instagram.

9. Responsibility for content and granting of rights

Participants assume responsibility for all content they submit for the Competition. If Participant has posted a photo, video or other content and has tagged N26, they must guarantee that the content submitted is not illegal, offensive in any way and cannot be construed as libel towards third parties. Submission or publication of any advertisements or promotional content is not permitted. Content that does not comply with the present T&Cs may be altered or removed by N26 without prior warning at its sole discretion. In case of content being subject to intellectual property law (e.g. copyright or trademark law), Participant warrants that they are either the rightful owner of such intellectual property or has been awarded the relevant usage rights by the respective rights holder. Participant shall indemnify N26 against all claims of third parties, including but not limited to claims against infringements of copyright and personal rights, that might be raised against N26 regarding the submission of content for the Competition. The indemnity shall not apply if the third party's claim results from N26’s use of the content in violation of the provisions set forth in this T&Cs. Furthermore, by posting a photo, video or other content and tagging N26 in the context of this Competition Participant grants N26 a non-exclusive right to publish, distribute and copy such content in the course of the Competition on the N26 global Instagram and X account for the purpose of promotional communication and information about the Competition including prize presentation. The right to use such content in the manner permitted is limited to a maximum of 12 months after the Participant has posted the content.

10. Miscellaneous

The Competition is a courtesy offered by N26 and does not create any legal obligations for N26 that may be enforced in front of court. N26 may suspend, terminate, change, update and/or amend these T&Cs at any time without prior notice. These T&Cs and the entire legal relationship between the Participants and N26 are subject to the laws of Germany. The official language of these T&Cs is the contract language of the current account contract between N26 and the Participant (hereinafter: the ‘Official Language’). Any translation must be considered as a courtesy translation. In case of any discrepancies between the Official Language of these T&Cs and any courtesy translation, the Official Language version will prevail.

Privacy Notice

When entering a Social Media Competition or Giveaway, N26 as controller processes certain personal data of the Participant required for administering and organising the competition, announcing the winner and granting the prize. Information about the processing of personal data can be found in the N26 Privacy Policy. In particular, we refer to the information in Sect. VII. 2. of the N26 Privacy Policy covering Social Media Competitions and Giveaways.