Keep Your Balance Private with Discreet Mode

We've made keeping sensitive information like your account balance and personal details away from prying eyes as easy as a waving your hand.

4 min read

Being in control of your finances means being able to manage your money no matter where you are, whenever you need to. Whether you’re traveling home on a crowded subway during rush hour, or sitting in a busy cafe, keeping sensitive information like your account balance and personal details away from prying eyes isn’t always easy. That’s why we created discreet mode for iOS, Android, and on the web.

What is discreet mode?

Discreet mode lets you view your account and manage transactions privately, blurring sensitive data like balance totals and transaction amounts, making it ideal for situations when someone might be looking over your shoulder.

There are two ways you can enable discreet mode on your phone, once you’ve logged into your account: The easiest, is waving your hand in front of the proximity sensor of your phone screen. The other is tapping the ellipsis to the right of your current balance and toggling “Discreet mode.” If you’re using the web app, simply click the eye icon under your balance to activate it.

Once discreet mode is on, your current balance and all transaction amounts will be hidden, including balance amounts in your Spaces. Repeat the process in exactly the same way to return to normal view.

Created for privacy

We’re always looking at the ways innovation can make banking safer and easier. Discreet mode was born as a result of a real-life situation. While trying to check their account at the office via the N26 WebApp, one of our engineers realized that the amounts displayed on their computer screen were quite noticeable to any colleagues who happened to glance at their screen.

"We started thinking about how we could hide the numbers, which would be particularly useful to people who might need to access their bank in public while they work in a café or shared space,” explained Dama, Lead iOS Engineer in the N26 WebApp team.

A small change made a big impact

Implementing discreet mode on the N26 WebApp was surprisingly easy, and it took just a few hours. After launching to the public, discreet mode proved to be hugely popular with N26 WebApp users. As a result, many people who had tried discreet mode on the web expressed a desire to have the same feature on their phones.

For the mobile version, our iOS, Android and design teams first conducted research and user-testing through a number of N26 employees, to ensure the best user-experience. Along with a dedicated button, one of the results of this collaboration was allowing users to activate discreet mode by triggering the phone screen’s proximity sensor.

Discreet mode: a real innovation

"At the time it was created, we weren't aware of any banks whose mobile apps offered a discreet mode. This feature is just another example of N26's truly mobile banking experience - it's designed to be used anywhere, whenever the customer needs it. With discreet mode, you can check your account balance in the subway, or in the middle of a crowd, without having to worry about privacy," said N26 Product Designer, Clemens Morris.

Discreet mode also allows you to easily show your account to a friend, without having to reveal your financial information. Better still, it stays active from one session to the next on the mobile application, so you won’t experience any surprises.

More reasons to love N26

Discreet mode is just one way that we’re committed to helping you manage your money in a way that fits your life. We’ve developed a number of solutions that make finances more approachable and easier to control right from your phone. Here are just a few that we think you’ll love:

Reach your goals: Whether you’re saving for new headphones, tickets to your favorite band, or a much needed mattress upgrade, Spaces lets you put money aside easily and intuitively with just a few swipes.

Get your money faster: If you hate waiting for payday, this one is for you. When you set up direct deposit with N26, you can get your paycheck up to 2 days earlier than with traditional banks.

Send money instantly: With MoneyBeam you can send money instantly to anyone with an N26 account. So you can quickly pay back your roommate for cleaning supplies, before you forget. Again.

Understand your finances: Knowledge is power, and knowing where your money is going can be a good first step towards reaching your financial goals. The N26 app allows you to tag and search your transactions, and gives you detailed statistics to help you understand exactly where your money is going.

Lock and unlock your card: Security is one of our main priorities, so we’re giving you power to quickly lock and unlock your card, and set spending limits right from the N26 app.

Ready for a way to manage your money designed for your mobile lifestyle? N26 is fast and secure, allowing you to control where, when, and how your card works and giving you instant notifications on all account activity.

The N26 account is offered by Axos Bank®, Member FDIC. N26 Inc. is a service provider of Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc. The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.

By N26

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