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Privacy policy

The following translation is provided for the customer’s convenience only. The original German text of the respective Terms and Conditions is binding in all respects. In the event of any divergence between the English and the German texts, constructions, meanings or interpretations, those of the German original shall govern exclusively.

Data Privacy

Use of our website is usually possible without disclosure of personal data. If as any personal data are collected on our website, this is done as far as is possible on a voluntary basis. As a part of opening an account with N26 Bank GmbH (hereafter “N26 Bank”) the following data, in particular, are collected, used and processed:

  • Name
  • Date of birth
  • Place of birth
  • Email address
  • Nationality
  • Address
  • Telephone number
  • Identification document including
  • Type
  • Date of issue
  • ID number
  • Issuing authority

We collect, process and use your personal data only in accordance with the following privacy policy and agreements and the relevant data protection regulations. Personal data in this sense are any details of the personal or material circumstances of an identified or identifiable natural person, such as your name, telephone number or your address.

Your data will only be disclosed to third parties or otherwise transferred if this is necessary for the purposes of contract fulfilment or if you have previously consented to such.

We note that the transmission of data over the internet (e.g., when communicating via email) may present security gaps. Absolute protection of data against unauthorised access by third parties is not possible.

The use by third parties of contact details published in the context of an imprint obligation for the sending of unsolicited advertising and informational materials is hereby expressly prohibited. N26 Bank expressly reserves the right to legal action in the case of sending of unsolicited advertising information, such as spam emails.

Privacy Policy for the Use of Facebook Plugins (Like-Button)

Plugins of the social networking site, Facebook (Facebook Inc., 1601 Willow Road, Menlo Park, California, 94025, USA),are integrated into our side. The Facebook plugins can be recognised on our site by the Facebook logo or the “Like-Button.” An overview of the Facebook plugins can be found here:
http://developers.facebook.com/docs/plugins/.

When you visit our site, a direct connection is made via the plugin between your browser and the Facebook server. Facebook thereby receives the information that you have visited our site with your IP address. When you click the Facebook “Like-Button” while logged into Facebook, you can link the contents of our site to your Facebook profile. This allows Facebook to associate your visit to our site with your user account. We note that, as operators of this website, we obtain no knowledge of the content of the data transmitted, nor of its use by Facebook. Further related information can be found in Facebook’s Privacy Policy, at http://de-de.facebook.com/policy.php

If you do not want Facebook to be able to associate your visit to our site to your Facebook user account, you must log out of your Facebook user account prior to visiting.

Privacy Policy for the Use of Google Analytics and Google Tag Manager

The website/app uses Google Analytics and Google Tag Manager, web analytics services of Google Inc. (“Google”). Google Analytics and Google Tag Manager use so-called “cookies,” text files that are stored on your computer / smartphone to allow analysis of your website / app usage. Information generated by the cookie on your use of this website/app are usually transmitted to and stored on a Google server in the USA. On this website/app, however, your IP address is truncated by Google within member states of the European Union or other parties to the Agreement on the European Economic Area.

Only in exceptional cases will the full IP address be transmitted to a Google server in the USA and truncated there. On behalf of the operator of this site/app, Google will use this information to evaluate your use of the site, to compile reports on website activity and to further provide the website/app operator with other services related to website/app usage. IP addresses transmitted within the scope of Google Analytics and Google Tag Manager by your browser will not be merged with other data from Google.

You can refuse the use of cookies by selecting the appropriate settings in your browser software; however, we advise that you may not be able to use all features of this website/app to their full extent in such cases. You can furthermore prevent the collection of data generated by the cookie related to your use of the website/app (including your IP address) by Google by downloading and installing the browser plugin available at the following link:
http://tools.google.com/dlpage/gaoptout?hl=de.

Privacy Policy for the Use of Twitter

Functions of the service, Twitter, are integrated into our website. These functions are provided by Twitter Inc., 1355 Market St, Suite 900, San Francisco, CA 94103, USA. Through the use of Twitter and the “Re-Tweet” function, websites you visit are associated with your Twitter account and made known to other users. These data are also transmitted to Twitter.

We note that, as operators of this website, we obtain no knowledge of the content of the data transmitted, nor of its use by Twitter. Further relevant information can be found in Twitter’s privacy policy at http://twitter.com/privacy

You can change your privacy settings on Twitter in your account settings at http://twitter.com/account/settings

Privacy Policy for the Use of Adjust

Our mobile apps use the usage evaluation and analysis technology, “adjust.io,” a service provided by Adjust GmbH (“Adjust”). When you open the N26 app, adjust collects installation and event data, such as “app opened” or “account opened”. We use this anonymised information to understand how our users interact with the N26 app and to analyse mobile ad campaigns. For such an analysis, Adjust uses your anonymised IDFA or Android ID, along with your anonymised IP and MAC address. It is not possible to identify you individually.

Privacy Policy for the Use of Crashlytics

We work with Crashlytics Inc. (“Crashlytics”),a service which collects data of users of the N26 app on Android or iOS. Crashlytics collects data on app usage, especially related to system crashes and errors. Thus, information about the device, the app version installed, in addition to other information, is used which can help fix bugs, particularly with respect to users’ software and hardware. Further relevant information can be found in Crashlytics’ privacy policy here: https://try.crashlytics.com/terms/privacy-policy.pdf.

Privacy Policy for the Use of TrackJS

We work with TrackJS LLC. (“TrackJS”). This service collects data when the N26 website/web-app is used by our customers. This is for analysis of technical faults, such as HTTP and JS errors. Further relevant information can be found in TrackJS’s privacy policy at: https://trackjs.com/privacy/

Privacy Policy for the Use of SnowPlow

We work with SnowPlow Analytics Limited (“SnowPlow”). With this service, user data for the N26 website and N26 app are collected regarding user navigation in order to better understand the needs of our customers. Further relevant information can be found in SnowPlow’s privacy policy at: https://snowplowanalytics.com/privacy-policy/.

Privacy Policy for the Use of LiveChat

LiveChat Inc. (“LiveChat”) is a service that we utilise in order to connect our customers in the N26 web-app with our customer support. In the process, LiveChat uses cookies. Further relevant information can be found in LiveChat’s privacy policy at: https://www.livechatinc.com/privacy-policy/

Email Newsletter

We use our email newsletter to inform you about us and our offers.

If you wish to receive the email newsletter, we require from you a valid email address. In addition, your prior express written consent is always necessary. We will verify that you are the holder of the specified email address or that the holder agrees to receive the email newsletter. Further data are not collected. These data are only used for sending the email newsletter and will not be disclosed to third parties.

By registering for the newsletter, we store your IP address and the date of registration. This storage is used solely as evidence in the case that a third party misuses an email address and registers to receive the newsletter without knowledge of the person authorised.

You may revoke your consent to the storage of data, email addresses and their use for sending the email newsletter at any time. The revocation can be made via a link in the newsletter itself or through notification via the contact details listed below.

Cookies

N26 Bank uses so-called “cookies”, i.e. text files that are stored on your access device. Cookies are small files with text information that are stored on your hard disk during offer retrievals. We use cookies to make the navigation and use of our website as user-friendly as possible. We require cookies to identify and authorise you after successfully logging into the protected area for the entire duration of your visit. Cookies are also used, however, to save the preferences of the visitor. We can thus tailor the contents of our site in a manner oriented towards user needs. We are unable to make any reference to the user with the cookies. You can deactivate the option to save these cookies and delete existing cookies at any time in the system settings within your browser. Every user can also view offers without the use of cookies. If you do not accept any cookies, however, this may restrict functionalities of the website.

Some of the cookies we use are automatically deleted (at the end of the session) from your hard disk at the end of your browser session (session cookies). In addition, we also use cookies that remain on your hard disk for a certain time after your browser session (depending on the cookie, between one day and five years). In another visit, we can then automatically recognise what country and what language you chose in your last visit to our website. These persistent cookies are stored on your hard disk and are deleted by your browser after a fixed time. The cookies may also be those of third parties.

By using our website and the relevant browser settings, you consent to the use of cookies and thus collection, storage and use of data about you. Further, you consent to your data in cookies being stored after the end of your browser session and, for example, for them to be accessed again upon your next visit to the website. You may revoke this consent at any time with future effect by refusing to accept cookies in your browser settings.

Retargeting

We use retargeting and remarketing functions of third parties on our website. These technologies make it possible to respond to internet users who have visited our site with personalised advertisements on the websites of our partners. For this purpose, the respective retargeting and/or remarketing provider will store a cookie on your hard disk. Based on cookie technology, usage information is stored under a pseudonym, for example, which advertisements of ours that you have received or clicked and which advertisements you have viewed. The pseudonymous data are not at any time combined with your personal data and serve exclusively to enable advertising that relates to your interests.

You may object to the use of the following retargeting or remarketing provider by visiting the page for disabling cookies via the corresponding link:

Google AdWords: https://www.google.com/settings/ads/onweb/

Information, Changes, Corrections and Updates

You have the right to obtain information on the personal data that have been stored about you upon request, free of charge. In addition, you have the right to correct inaccurate data and to have your personal data blocked or deleted, insofar as no legal obligation to retain these data exists.

For this purpose, as well as for other questions relating to personal data, you can contact us any time via the contact information specified in the imprint.

Responsible Party and Revocation

The party responsible for the collection, processing and use of personal data in the sense of the Bundesdatenschutzgesetz (German Federal Data Protection Act) is:
N26 Bank GmbH, Klosterstrasse 62, 10179 Berlin
Email: datenschutz@n26.com

You can revoke any of the consents to the collection, processing and use of personal data provided in this privacy policy in writing or by email with effect for the future until the conclusion of the account agreement.

In this case, we will cancel further processing and use of your personal data, as well as block or delete these, as long as we are not obligated by statutory provisions to their further processing, and in particular, to their further storage. Please address your cancellation in writing to N26 Bank GmbH, Klosterstrasse 62, 10179 Berlin, or by email to datenschutz@n26.com. Termination of an account agreement is not possible in this case.

General Information

This website is operated by: N26 Bank GmbH: Klosterstrasse 62, 10179 Berlin, registered with Amtsgericht Berlin Charlottenburg under commercial register number HRB 170602B.