General view of the service
Customer Support:

- There is no phone number. It existed because I called it because of a technical problem and the impossibility of solving it due to the absence of the internet.
To date it means that if you find yourself without internet due to a technical breakdown of your phone or a local network problem, you will not have access to your account nor to customer support. Not really very well.

- Providing customer support exclusively through a chat, on a 7cmx12cm screen is not exactly the top of UX, especially when it comes to serious problems and not simple questions.

- Providing customer support via desktop PC chat offers several problems, such as authentication.
The authentication consists of the request for 3 questions, of which the third asks you to communicate the fifth charge to your account or the names of at least two companies with recurring charge and relative amount.
The problem is that the agents in question do not always offer you the possibility to say which are the recurring charges and if you cannot have access to the account to tell them the fifth charge received, they simply close the chat.

In addition to the agents that sometimes close the chat even without explanation, you can also add any connection problems, both on the phone and on the desktop.

In short, a truly painful experience. There is a lot of talk about making life simpler but a company with millions of euros in financing can't even get a phone line which could simply authenticate the call from the app itself like airbnb does.

- Bank Transfer Process

Since performing mobile operations does not represent maximum comfort, there is a desktop version that becomes useless, as instead of sending a text message with confirmation code for the bank transfer which could be easily read on screen without open the sms itself, N26 app sends a push notification that requires the manual confirmation of the transfer, unlocking the mobile phone screen and logging into the app.
How to make life complicated.

- Double authentication

Recently N26 has adapted to the European double authentication standard, obviously here too, it did it in the most complicated way possible.

1. I go to log into the bank account via my computer, I can't, the bank says I have to confirm the access on my mobile.

2. Meanwhile, via the bank's app, I receive a push notification asking me to confirm the access, but I can't do it at the first "tap", I must first unlock the screen, while the notification has disappeared from the screen.

3. To confirm, in any case, I have to log in to my account on the app installed in the mobile, to which you ask yourself what sense to log into the account on the mobile to confirm access to the account from the desktop, and you also wonder why not have sent a simple text message with a code, which, among other things, can be read on the screen without unlocking the cell and logging into the account.

4. I find out that you can actually request a text message, but to do so, in the pop-up that says "confirm access to your account" I have to click on "help", at the point a new pop-up opens, explaining that by clicking on "send" you will receive a text message with a confirmation code.
I do it, but then the bank's website tells me "sorry it's been too long"

Considering that there are more chances that they will steal my phone than they have of accessing my PC or discovering user and password and accessing it from another PC, I would say that we are doing very well.
It is worth noting that between sending the SMS as the main solution and then eventually the push notification of the app, the banks had complete discretion on how to manage the token.

- Transparency

N26 is exactly like any other bank, if they can lie or deceive you for an advantage, they will do it without problems.
In principle, the monthly withdrawals were free and unlimited, the bank used a lot of leverage on this in their advertisements.
Then the free withdrawals were reduced to 5 monthly after which you pay to withdraw.

Even the bank account had to be free, but then they changed that too and now a questionable credit check is performed, if you don't get a certain score, they offer you a paid bank account. Arguable because it happened to a friend of mine who has absolutely no problems.

In essence, if you can avoid it, you avoid it.