Avoid having your N26 bank account stolen via phishing spam emails

Also Known As: possible malware infections
Distribution: Low
Damage level: Medium

"N26 Email Scam" removal guide

What is the fake "N26" email?

"N26 Email Scam" is a the name of a spam campaign targeting Italian-speaking N26 bank clients. The term "spam campaign" defines a mass-scale operation during which thousands of deceptive emails are sent. N26 is a legitimate online bank headquartered in Berlin, Germany. The "N26 Email Scam" letters are disguised as mail from the aforementioned bank. The scam emails make false claims that recipients' N26 banking accounts have been suspected. This campaign aims to promote a phishing website, which is presented as the sign-in page to N26 bank accounts.. Log-in credentials (i.e., emails and passwords) entered into this site will be unintentionally exposed to the scammers behind "N26 Email Scam".

N26 scam email spam campaign

According to a rough translation, "N26 Email Scam" letters (subject/title "Risposta urgente"; may vary) inform recipients that their N26 banking accounts have been temporarily suspended. This suspension has occurred due to violated N26's terms of service. The potential violations include - fraud, chargeback, or other dubious financial activity. The scam emails require recipient cooperation to resolve the nonexistent issue. The letters warn that recipients will be unable to use all features of their N26 bank accounts until appropriate action is taken. As mentioned in the introduction, the "N26 Email Scam" letters are fake. They are in no way associated with the actual N26 online bank, and none of the information provided by them is true.

The button ("Accedi N26.com") presented in the "N26 Email Scam" letters leads to a phishing site. This website closely imitates the genuine N26 banking account sign-in page. Hence, by entering their log-in credentials (i.e., emails and usernames) - users will not access their accounts; instead, they will inadvertently reveal the entered data. Though stolen bank accounts, scammers can make fraudulent transactions and/or online purchases. Therefore, by trusting these scam emails, users can lose their N26 bank accounts, experience financial loss, and severe privacy issues. If attempts to log-in via the phishing webpage have already been made - it is strongly advised to change the potentially compromised account's credentials and contact the official support of N26 bank.

Threat Summary:
Name N26 Email Scam
Threat Type Phishing, Scam, Social Engineering, Fraud
Fake Claim Scam emails claim recipients' N26 bank accounts have been suspended.
Disguise Scam emails are disguised as mail from the N26 online bank.
Related Domains app-n26-identita[.]online
Detection Names (app-n26-identita[.]online) Emsisoft (Phishing), Sophos (Phishing), ESTsecurity-Threat Inside (Phishing), Kaspersky (Phishing), Fortinet (Suspicious), Full List Of Detections (VirusTotal)
Serving IP Address (app-n26-identita[.]online)
Symptoms Unauthorized online purchases, changed online account passwords, identity theft, illegal access of the computer.
Distribution methods Deceptive emails, rogue online pop-up ads, search engine poisoning techniques, misspelled domains.
Damage Loss of sensitive private information, monetary loss, identity theft.
Malware Removal (Windows)

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"Email Disabling Service", "Credito Agricola", "Stopped processing incoming emails", "Amazon Customer Care Email Scam" - are some examples of other phishing spam campaigns. Deceptive/Scam emails are usually disguised as "official", "priority", "urgent", "important", and so forth. These letters are used not only for phishing but also to facilitate other scams and to proliferate malware. Spam campaigns are employed to spread trojans, ransomware, cryptominers, and other malicious programs. Due to the relative prevalence of scam mail, it is highly recommended to exercise caution with incoming emails.

How do spam campaigns infect computers?

Spam campaigns infect systems via malicious files distributed through them. These files can be attached to the deceptive emails and/or the letters contain download links of such files. Virulent files can be in various formats, e.g., Microsoft Office and PDF documents, archive and executable files, JavaScript, etc. When the files are executed, run, or otherwise opened - the infection chain (i.e., malware download/installation) is initiated. For example, Microsoft Office documents infect systems by executing malicious macro commands. In Microsoft Office versions released prior to 2010, macros are executed the moment a document is opened. Newer versions have "Protected View" mode that prevents automatic macro command execution. Instead, users are asked to enable macros (i.e., to enable editing/content) and are warned of the potential risks.

How to avoid installation of malware?

Suspicious and/or irrelevant emails must not be opened - especially any attachments or links present in them. Additionally, it is advised to use Microsoft Office versions released after 2010. Malware is also commonly proliferated via untrustworthy download channels (e.g., unofficial and free file-hosting websites, Peer-to-Peer sharing networks, and other third party downloaders), illegal software activation tools ("cracks") and fake updaters. Therefore, it is important to download from official/verified sources and activate/update programs with legitimate developer tools or functions. It is paramount to have a dependable anti-virus/anti-spyware suite installed. This software must be kept updated, used to run regular system scans, and to remove detected threats/issues. If you've already opened malicious attachments, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Text presented in the fake "N26" email letter:

Subject: Risposta urgente


Gentile Cliente,


Il tuo account è stato temporaneamente bloccato a causa di una sospetta frode, di uno storno di addebito o di una violazione simile dei nostri termini di servizio.


Abbiamo bisogno della tua collaborazione per risolvere un problema sul tuo conto N26. Fino a quando il problema non sera risolto, non putrai usare tutte le funzionalità


Accedi N26.com


La sicurezza del tuo conto N26 è una nostra priorità e desideriamo collaborare con te per mantenerla.

 Screenshot of the phishing website promoted through "N26 Email Scam" campaign:

N26 email scam promoted phishing website

Yet another variant of N26 bank-themed spam email:

N26 bank-themed spam email (2021-04-26)

Text presented within:

Subject: Verifica la tua identità per continuare a usarlo




In base ai criteri nostro servizio, i tuoi dati in N26 Cloud verranno eliminati in data 2021-04-24 , quando sarai rimasto inattivo per oltre 1 mesi.
Una volta eliminati, i dati non possono essere ripristinati. Per impedire l'eliminazione dei tuoi dati, N26 deve verificare la tua identità.
Per contribuire a mantenere protetto il tuo account, Accedi di nuovo per continuare.
[Verifica identità]

Che cosa sono i Messaggi da N26? Per maggiori informazioni, visita il nostro Support Center.

Il tuo team N26

N26 Bank GmbH, Succursale Italiana
Via Pola 11 | 20124 Milano | Italia
Codice fiscale, n.iscr. al Registro Imprese di Milano e Partita IVA: 10429450967
Iscritta all'Albo delle banche tenuto dalla Banca d'Italia al n. 8084

N26 Bank GmbH
Klosterstrasse 62 | 10179 Berlino | Germania
Numero HRB: 170602B (Berlino, distretto di Charlottenburg)
Soggetta alla vigilanza dell'Autorità Federale di Vigilanza Finanziaria (BaFin Marie-Curie-Strasse 24-28, 60439 Francoforte, Germania)

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How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Combo Cleaner Antivirus for Windows. If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

malicious process running on user's computer sample

If you checked the list of programs running on your computer, for example, using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

screenshot of autoruns application

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup. Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings". Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Windows 8 Safe Mode with networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options". In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

windows 10 safe mode with networking

Video showing how to start Windows 10 in "Safe Mode with Networking":

manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

extract autoruns.zip and run autoruns.exe

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Click 'Options' at the top and uncheck 'Hide Empty Locations' and 'Hide Windows Entries' options

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

locate the malware file you want to remove

After removing the malware through the Autoruns application (this ensures that the malware will not run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, be sure to remove it.

searching for malware file on your computer

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs. These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software.

To be sure your computer is free of malware infections, we recommend scanning it with Combo Cleaner Antivirus for Windows.

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About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for pcrisk.com since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

PCrisk security portal is brought by a company RCS LT. Joined forces of security researchers help educate computer users about the latest online security threats. More information about the company RCS LT.

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Malware activity

Global malware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

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