N26 Bosna i Hercegovina

N26 Bosna i Hercegovina

Prošle godine napisao sam najsveobuhvatniji pregled banaka N26 na Internetu, koji je od tada pročitao desetine hiljada putnika, digitalne nomade i ljubitelje online bankarstva iz svih krajeva svijeta.

Ipak, kao i sveobuhvatno kako jeste, imao sam puno francuskih čitalaca koji su mi postavljali pitanja specifična za upotrebu N26.

Dakle, ovde želim da razjasnim nekoliko nesporazuma za sve francuske korisnike koji se pridružuju N26, a takođe pokazuju zašto je N26 verovatno bolja bankarska opcija za vas od bilo koje druge francuske banke, a takođe i zašto je N26 bolji izbor od ostalih banke kao što su Revolut, Monzo, Curve i Simple.

Šta je N26?

N26 je banka samo na mreži dizajnirana za digitalne nomade, česte putnike i sve ostale koji cene jednostavnost, odličan dizajn i najniže moguće naknade od svoje banke.

Na primer, moj račun N26 štedi me hiljadama evra svake godine iz besplatnih povlačenja banaka u svijetu, najboljih deviznih kurseva na planeti (zbog njihovog partnerstva s TransferWise ) i izuzetan plan putovanja osiguranja – sve je uključeno u mojoj kartici.

Zato sam prošle godine napisao bankovnu recenziju za N26 sa detaljima o mom iskustvu. Taj pregled pokriva sve svoje proizvode detaljno, uključujući N26 Black, N26 Metal , CASH26, INVEST26 i više.

Takođe će vam pokazati tačno vreme kada ima smisla nadogradnju na N26 Black i kako iskoristiti maksimum od svih perks-perksa kao što su osiguranje odlaganja leta, osiguranje mobilnog telefona i osiguranje otkaza putovanja koji dolaze uz to.

Da li sam spomenuo skoro sve ove doznake, plus mnogo više, da li su apsolutno besplatni?
Sign up for N26 today.

N26 Bosnia and Herzegovina width=1344

Prednosti N26

  • Besplatno povlačenje ATM-a širom sveta. Bez obzira na to gde ste na svijetu, N26 nikada neće vam naplatiti nikakvu naknadu za povlačenje gotovine sa bankomata (za razliku od većine banaka koje naplaćuju $ 2-10 po stranom povlačenju bankomata). Ako ste na slobodnom planu N26, platićete naknadu za pretvaranje valute od 1,7% na srednji tržišni kurs, što je bolje od onoga što skoro svaka druga potrošačka banka nudi.
  • Obaveštenja o transakciji u realnom vremenu. Kad god novac uđe ili izađe iz vašeg naloga, bilo da je to prenos koji ste pokrenuli ili unapred odobreno plaćanje, dobićete obaveštenje.
  • Kategorije transakcija. Svaki transakciji dodeljuje se kategorija kao što su “Bars & amp; Restorani “ili” Travel & amp; Holidays “, tako da možete lako pratiti trošenje.
  • PIN poništi. Poništavanje PIN-a u bilo kom trenutku je jednostavno kao prijava u aplikaciju i promjena. Bez poziva N26, bez putovanja u bankomat, itd. 30 sekundi i to je učinjeno.
  • Zaključavanje kartice. Kao što je resetovanje vašeg PIN-a, zaključavanje kartice (da bi ga neko vrijeme učinilo neupotrebljivim) je jednostavno kao logovanje i pritiskom na dugme. Otključavanje je isto tako lako.
  • Plaćanja u inostranstvu, online plaćanja i podizanja gotovine. Za vašu sigurnost, možete ih uključiti i isključiti u bilo kom trenutku.
  • Granice potrošnje i povlačenja. Još jedna sigurnosna funkcija koju možete izabrati i promijeniti u aplikaciji u bilo koje vrijeme.

Da li je N26 dostupan u Bosni i Hercegovini?

Da! Kao što možete videti ovde , možete otvoriti račun N26 iz bilo koje od sledećih zemalja: Njemačka, Austrija , Irska, Francuska, Španija, Italija, Holandija, Belgija, Portugal, Finska, Luksemburg, Slovenija, Estonija, Grčka, Slovačka, Velika Britanija, Poljska, Švedska, Danska i Norveška.

As you can see here, you can open an N26 account from any of the following countries: Germany, Austria, Switzerland, Ireland, France, Spain, Italy, the Netherlands, Belgium, Portugal, Finland, Luxembourg, Slovenia, Estonia, Greece, Slovakia, Poland, Sweden, Denmark, Norway, Liechtenstein, Iceland, and the United States.

For example, I'm Canadian, but I signed up for N26 as soon as I moved to Berlin.

If you live in one of the countries above AND are a citizen of one of the 164 countries below, you can sign up for N26:

N26 AfghanistanN26 AlbaniaN26 Algeria
N26 AngolaN26 AnguillaN26 Antigua and Barbuda
N26 Argentina N26 Armenia N26 Aruba
N26 Australia N26 Austria N26 Azerbaijan
N26 Bangladesh N26 Barbados N26 Belarus
N26 Belgium N26 Belize N26 Benin
N26 Bermuda N26 BhutanN26 Bosnia and Herzegovina
N26 BotswanaN26 BrazilN26 British Indian Ocean Territory
N26 British Virgin IslandsN26 BruneiN26 Bulgaria
N26 BurundiN26 CambodiaN26 Cameroon
N26 CanadaN26 Cape VerdeN26 Cayman Islands
N26 ChileN26 ChinaN26 Colombia
N26 ComorosN26 CroatiaN26 Cyprus
N26 Czech RepublicN26 Democratic Republic of the CongoN26 Denmark
N26 Dominican RepublicN26 East TimorN26 Egypt
N26 El SalvadorN26 EritreaN26 Estonia
N26 EthiopiaN26 FijiN26 Finland
N26 FranceN26 GambiaN26 Georgia
N26 GermanyN26 GhanaN26 Gibraltar
N26 GreeceN26 GrenadaN26 Guatemala
N26 GuineaN26 Guinea-BissauN26 Honduras
N26 Hong KongN26 HungaryN26 Iceland
N26 IndonesiaN26 IranN26 Iraq
N26 IrelandN26 IsraelN26 Italy
N26 Ivory CoastN26 JamaicaN26 Japan
N26 JordanN26 KazakhstanN26 Kenya
N26 KyrgyzstanN26 LaosN26 Latvia
N26 LebanonN26 LesothoN26 Liberia
N26 LiechtensteinN26 LithuaniaN26 Luxembourg
N26 MacauN26 MadagascarN26 Malawi
N26 MalaysiaN26 The MaldivesN26 Malta
N26 MauritiusN26 MexicoN26 Micronesia
N26 MoldovaN26 MonacoN26 Montenegro
N26 MontserratN26 MoroccoN26 Mozambique
N26 MyanmarN26 NamibiaN26 Nepal
N26 New ZealandN26 NicaraguaN26 Nigeria
N26 NiueN26 NorwayN26 Oman
N26 PanamaN26 Papua New GuineaN26 Paraguay
N26 PeruN26 PhilippinesN26 Poland
N26 PortugalN26 Republic of the CongoN26 Yemen
N26 RomaniaN26 RussiaN26 Rwanda
N26 Saint HelenaN26 San MarinoN26 São Tomé and Principe
N26 SenegalN26 SerbiaN26 Seychelles
N26 Sierra LeoneN26 SingaporeN26 Slovakia
N26 SloveniaN26 SomaliaN26 South Africa
N26 South KoreaN26 SpainN26 Sri Lanka
N26 SwedenN26 SwitzerlandN26 Taiwan
N26 TajikistanN26 TanzaniaN26 Thailand
N26 The NetherlandsN26 The VaticanN26 Togo
N26 TongaN26 Trinidad and TobagoN26 Tunisia
N26 TurkeyN26 TurkmenistanN26 Turks And Caicos
N26 TuvaluN26 UgandaN26 Ukraine
N26 United Arabian EmiratesN26 United KingdomN26 United States of America
N26 UruguayN26 UzbekistanN26 Vietnam
N26 Zimbabwe

Da li mogu besplatno povući novac svojim karticom N26 kada se nalazim u Bosni i Hercegovini?

Da! Kao što pokazujem u mom originalnom pregledu banaka N26 , dobijate besplatne povlačenja bankomata širom sveta pomoću svoje N26 Black kartice, koja uključuje bankomate u Francuskoj . Ako nemate N26 Black i na slobodnom planu N26, plaćate 1,7% naknadu na ukupan iznos povlačenja.

Da vam pokažem na šta mislim, evo screenshota koji pokazuje nedavno povlačenje 7.220 tajlandskih bahta koje sam napravio iz bankomata u Bangkoku, uz realni kurs od xe.com. Zapamtite: svaki put kada podignete gotovinu ili napravite transakciju u stranoj valuti sa N26, plaćate srednju tržišnu stopu, a ne više ništa.

N26 Bosnia and Herzegovina - Exchanging Euros to Thai baht with N26
N26 Bosnia and Herzegovina – Exchanging Euros to Thai baht with N26

Mogu li i dalje koristiti osiguranje koje dolazi sa N26 Black karticom čak i ako živim u Bosni i Hercegovini?

Da! Život u Francuskoj ne čini vas manje pogodnim za korišćenje osiguranja koji dolazi sa vašom N26 crnom karticom . Evo nekoliko primera šta će politika osiguranja na vašoj N26 Black kartici pokriti:

  • Medicinski troškovi do neograničenog iznosa ako imate vanrednu medicinu u inostranstvu (bez odbitka).
  • Hitni zubni troškovi do najviše 250  (bez odbitnog).
  • Troškovi koji nastaju zbog kašnjenja leta od 4 sata ili duže do maksimalno 400 (bez odbitnog).
  • Troškovi koji nastaju ako vaš prtljag stigne više od 6 sati kasnije, do najviše 400 (bez odbitnog).
  • Nadoknada za ukradeni mobilni telefon koji je kupljen na računu N26 Black, do najviše 300 (€  50 odbijene).
  • Nadoknada za ukradenu novčanu gotovinu ukoliko se opljačkate do 4 sata nakon povlačenja gotovine sa bankomata sa N26 Black karticom, maksimalno 500 (bez odbitnog).
  • Produžena garancija do jedne dodatne godine na predmetima kupljenim direktno sa vašom N26 Black karticom i svim načinima plaćanja povezanim sa vašom karticom, kao što je povezan PayPal račun, maksimalno 500 (€ 50 odbijene).
  • Osiguranje otkazivanja putovanja na svakom putovanju pre početka putovanja, do maksimalno €  5.000 po putovanju (10-20% odbitak).

What insurance comes with N26 You and N26 Metal?

N26 You and N26 Metal comes with an impressive travel and medical insurance plan to keep you safe and secure on the road. It's not quite as comprehensive as the SafetyWing insurance plan, which we highly recommend combining with your N26 membership, but it does cover a lot:

  • Medical expenses up to an unlimited amount if you have a medical emergency while abroad (No deductible).
  • Emergency dental expenses up to a maximum of €250 (No deductible).
  • Expenses you incur due to a flight delay of 4 hours or longer, up to a maximum of €400 (No deductible).
  • Expenses you incur if your luggage arrives more than 6 hours late, up to a maximum of €400 (No deductible).
  • Reimbursement for a stolen mobile phone that was purchased with your N26 Black account, up to a maximum of €300 (€50 deductible).
  • Reimbursement for stolen cash if you get mugged up to 4 hours after withdrawing cash from an ATM with your N26 Black card, up to a maximum of €500 (No deductible).
  • Extended warranty of up to one additional year on items purchased directly with your N26 Black card and all payment methods associated with your card, such as a linked PayPal account, up to a maximum of €500 (€50 deductible).
  • Travel cancellation insurance on every trip before the trip commences, up to a maximum of €5,000 per trip (10-20% deductible).
N26

How much does N26 cost?

N26’s fee structure is eight pages long and pretty dense, so here’s the important stuff:

  1. All N26 bank accounts are free.
  2. N26 Black costs €9.90/month, while N26 Metal costs €16.90/month.
  3. Withdrawing foreign currency (any currency but Euros) anywhere in the world: Free for N26 Black and N26 Metal members, or 1.7% for N26 users on the free plan.

N26 Metal

N26 Metal includes all of the benefits of N26 Black listed above, plus dedicated (priority) customer support and, of course, the metal card itself. I recently wrote a 2,000-word N26 Metal review that goes deep into N26's super-premium card.

N26 Metal also comes with a growing number of exclusive partner offers and benefits, which rival the benefits of much more expensive premium credit cards like the American Express Platinum. These benefits include:

  • WeWork: 1 free day per month of co-working from any WeWork location around the world.
  • Hotels.com: 10% off hotel bookings.
  • IHG: 20%-30% off hotel bookings when you book at least 21 days in advance.
  • Tannico: 10% off your first three orders of wine, delivered to your home.
  • Outfittery: Save €30 on a stylish and curated Outfittery Box.
  • Caya: 25% off your annual subscription to Caya, the physical-to-digital mail forwarder.
  • Zipjet: 10% off your order of €30+ from Zipjet, the laundry service that comes to you.
  • Home24: 10% off your order of €199 from Home24, one of the largest online furniture shops in Europe.
  • Helpling: 10% off all home cleaning services by Helpling.
  • Drivy: €25 off your first shared economy car rental with Drivy.
  • Lanieri: 25% off custom-tailored suits, shirts, jackets and pants made by Lanieri.
  • Babbel: An additional 3 months of free language learning when you sign up for a 3-month language learning pack with Babbel.
  • Urban Sports Club: €10 off your membership to Urban Sports Club, the gym that knows no boundaries.

N26 Metal currently costs €16.90/month.

Sign up for N26 Metal here.

N26
N26

How To Sign Up For N26

With its impressive insurance policy, fee-free foreign cash withdrawals, and the app’s ease of use, I really couldn’t be happier as a member of N26 You.

It’s made banking a lot easier and cheaper for me, and has solved a lot of the messy problems I had before (ie. expensive and vague travel/medical insurance policies, plus spending nearly $100/month on hidden ATM and currency exchange fees).

And you don't even need an N26 promo code to get started (Spoiler: N26 promo codes have gone extinct).

To sign up, you just need to provide standard personal information (name, date of birth, etc.) and a valid ID or passport.

Once you’ve signed up, verified your ID in the app and paired your smartphone (it takes 8 minutes total), they’ll send you your free MasterCard in the mail. Mine took just 2 days to arrive, and it comes in a pretty sleek package.

Comment below if you have questions about N26 and I’ll do what I can to answer them, or you can also reach N26’s support team via their app or website.

 

N26 Bosnia and Herzegovina
Koliko košta N26 u Bosni i Hercegovini?

Struktura naknade N26 je osam stranica duga i prilično gusta, pa evo važnih stvari:

  1. Svi N26 bankovni računi su besplatni .
  2. N26 Black troši 9,90/ mesec , dok N26 Metal košta 16,90/ mesec .
  3. Povlačenje deviza (bilo koja valuta, ali evra) bilo gdje u svetu: Besplatno za članove N26 Black i N26 Metal ili 1,7% za korisnike N26 na slobodnom planu .

N26 Metal

N26 Metal uključuje sve prednosti N26 Black navedene gore, plus posvećenu (prioritetnu) korisničku podršku i, naravno, metalsku kartu. Nedavno sam napisao N26 Metal review N26 Metal review koji ide deep u super-premium karticu N26.

N26 Metal takođe dolazi sa sve većim brojem ekskluzivnih partnerskih ponuda i pogodnosti, što predstavlja konkurenciju prednosti mnogo skupljih premium kreditnih kartica kao što su American Express Platinum. Ove prednosti uključuju:

  • WeWork: 1 free day per month of co-working from any WeWork location around the world.
  • Hotels.com: 10% off hotel bookings.
  • IHG: 20%-30% off hotel bookings when you book at least 21 days in advance.
  • Tannico: 10% off your first three orders of wine, delivered to your home.
  • Outfittery: Save €30 on a stylish and curated Outfittery Box.
  • Caya: 25% off your annual subscription to Caya, the physical-to-digital mail forwarder.
  • Zipjet: 10% off your order of €30+ from Zipjet, the laundry service that comes to you.
  • Home24: 10% off your order of €199 from Home24, one of the largest online furniture shops in Europe.
  • Helpling: 10% off all home cleaning services by Helpling.
  • Drivy: €25 off your first shared economy car rental with Drivy.
  • Lanieri: 25% off custom-tailored suits, shirts, jackets and pants made by Lanieri.
  • Babbel: An additional 3 months of free language learning when you sign up for a 3-month language learning pack with Babbel.
  • Urban Sports Club: €10 off your membership to Urban Sports Club, the gym that knows no boundaries.

N26 Metal trenutno košta 16,90/mesec .

Sign up for N26 Metal here.

N26 Bosnia and Herzegovina
N26 Bosnia and Herzegovina

Kako se korisnici Bosne i Hercegovine mogu prijaviti za N26

Svojom impresivnom politikom osiguranja, povlačenjem stranih gotovih novčanih sredstava i jednostavnim korišćenjem aplikacije, zaista nisam mogao biti sretniji kao član N26 Black.

To je učinilo bankarstvu mnogo lakšim i jeftinijim za mene i rešilo je mnoge neuredne probleme koje sam imao ranije (npr. Skupa i neodređena putovanja / zdravstveno osiguranje, plus trošenje skoro $ 100 / mjesečno na sakrivenu banku i valutu).

A za početak vam nije potreban N26 promo kod ( Spoiler: N26 promo kodovi su nestali ).

Da biste se prijavili , morate samo da date standardne lične informacije (ime, datum rođenja, itd.) i važeću identifikacionu kartu ili pasoš .

Kada se prijavite, potvrdili ste svoj ID u aplikaciji i uparili svoj pametni telefon (potrebno je ukupno 8 minuta), poslat će vam besplatnu MasterCard u pošti. Moj je trajao samo dva dana da stigne i dolazi u prilično elegantnom paketu.

Komentar ispod, ako imate pitanja o N26 i učinit ću ono što mogu da im odgovorim, ili takođe možete da dođete do podrške tima N26 preko njihove aplikacije ili veb sajta.



2 thoughts on “N26 Bosna i Hercegovina”

Leave a Reply

Your email address will not be published. Required fields are marked *

fourteen − 3 =