Human Service 5 stars, Chatbot/Availability/Corporate Customer Orientation 0 stars
Horrific automated chatbot customer service, no phone service at all (!). Doesn't live up to it's mission statement of being a disruptive bank. I'd always opt for ING or DKB after this xp. 

Why?: My account was illegitimately frozen and N26, contrary to ING, has after 14 months still not freed up my funds. Had to invest a lot of time and effort into finding a solution.

It was only the compationate human support, which the chatbot system doesnt provide easily, who guided me towards a swift and personalised resolution.