Detestable customer service with bad…
Solved

Detestable customer service with bad English, unable to explain how their business works and what the legal basis for their actions are. If you sign up for a business account mid-September (15/9) like I did, they will automatically activate it for you some days later and debit you for a full month (put your new account in minus) -- without providing any means of actually using the main service you signed up for (an account *with a card*). Then they will request that you top up your account (free the first time, 3% afterwards) to pay for the minus they put you in. Then they, on October 1st, will request an additional 16.90€ to produce the card (so you can use their service at all). In the pre-contractual agreement, under N26 Business, it says: 

"The purpose of N26 Business is the provision of a Business-MasterCard-debit card, [...]"

Can someone please explain how what happened here is good business praxis/customer service?