This seemed like a good idea until...
This seemed like a good idea until I tried to set up my account. I was unable to transfer funds from an external source nor was I able to pair my phone to the account.  After a fruitless experience with customer support, I decided that an account with N26 was too much trouble.  Even trying to close the account meant contacting customer support, which, after three attempts, seemed like a bridge too far.  Maybe the account will simply go dormant.