How to Recognize and Avoid Phishing Attacks

At N26, security is at the heart of everything we do. Here are some useful tips that will help you stay informed and safe from phishing attacks online.

5 min read

At N26, security is at the heart of everything we do – from taking every measure to keep your information safe, to providing you with instant notifications on account activity, to giving you full control of your card right from the app. While online scams and malicious attacks are a serious threat affecting millions each year, there are steps you can take to keep yourself informed and safe online. According to the FBI, Americans lost $30 million to phishing schemes in one year, making this a particularly effective scamming tactic. Here are some useful tips and information that will help you keep your banking information safe from phishing attacks.

Phishing is a common scamming technique; an attempt to obtain sensitive personal information including usernames, passwords, social security numbers, and credit card details by pretending to be an entity you trust. Scammers do this by disguising as a known company via digital channels like emails, text messages, and fake websites.

Phishing is usually done over email or instant messenger, and involves sending a link to a dummy site where fraudsters can obtain your user data or infect your device with malware – that is, software that’s specifically designed to damage or gain unauthorized access to your devices.

In today’s fast-evolving digital economy, there is no one-size-fits-all defense against phishing campaigns. Criminals can launch targeted phishing scams directed at employees, organizations, their customers, or the general public.

Think of it like a criminal marketing campaign. Just like marketing is becoming more innovative and intrusive, phishing is constantly becoming more targeted and effective.

Banks around the world are heavily targeted, and phishing practices have evolved to better compromise financial information. For context, one out of four phishing attacks targets banking information, and these are becoming more and more frequent.

While it’s impossible to completely eliminate cyber crime, there are certain security measures we take to fight off attacks and better protect your money and identity. N26 customer support will never ask you (via phone or written form) the following details:

  • Credit card number

  • CVV/CVC

  • Card expiration date

  • Passwords

  • Card PIN

We meet the strictest national and international regulatory requirements to ensure we are taking steps towards diminishing financial crime not only on our platform, but in the wider digital landscape.

A phishing attack normally works by creating a false sense of security. Most phishing emails or websites look just like real ones. The whole point is to fool you into giving away your access information.

Here are some important tips to protect yourself from phishing attempts:

  • Do not share your bank login information with anyone, even if the person claims to be a bank employee.

  • Choose an email provider that offers two-factor authentication as well as spam, malware and phishing filters, and will notify you of anything suspicious.

  • Only use your login on the official banking app (ie. N26 app), never download the application from somewhere else. If you’re an N26 customer, never use login information on a domain other than https://app.n26.com or https://my.n26.com

  • Copy and paste URLs from emails and check them before visiting.

  • Don’t click on a link if you received an email that asks you to perform an action that you didn’t initiate (reset password, validate your account, etc.)

  • Always check a link before clicking on it. Hover over it to preview the URL, and look carefully for typos or other irregularities.

Banking websites are always secure. If you cannot see the lock icon in your browser or the “https” prefix before the site’s URL, it’s likely that the site isn’t secure. Here is how https://app.n26.com should appear in different browsers.

  • Messages with spelling mistakes and typos, multiple fonts or oddly-placed accents.

  • Messages that claim to have attached sensitive information. A bank should never send you sensitive information as an attachment.

  • Mismatched links.

  • Messages asking for your personal information. If you’re an N26 customer, we will never ask you for:

    1. Your account password

    2. Your social security number or tax identification number

    3. Your full card number or PIN

  • Messages claiming that your account will be deleted or blocked unless you take immediate action.

Finally, remember that N26 doesn’t have relationships with job or housing agencies, market research institutes, product testers or credit brokers on external sites that ask to confirm your identity via video call. If you come across a third party asking you to open an N26 account to verify your identity, it is most likely fraudulent.

What should you do if things seem phishy? Be aware of any unusual requests and trust your judgement; if a request seems suspicious, it probably is. Don’t click on any links, open or download attachments, reply or trust the contact information displayed in the email.

If you've received a suspicious email that claims to come from N26, please forward it to phishing@n26.com, delete it immediately and reach out to our Customer Support service via the in-app chat feature or give us a call at 1-888-626-0626. You can also get more safety tips and information by visiting our security page.


Ready for mobile banking that has your back? At N26 we take security seriously, with secure log-in, instant account alerts, and tools that allow you to have full control over your card. And, through our partner bank, Axos Bank®, deposits are FDIC-insured up to $250,000. Easily open an N26 account right from your phone in 5 minutes, and enjoy secure mobile banking that fits your lifestyle.

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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