Very satisfied overall
I have been using N26 for almost 4 years. So far it has been my secondary account. Maybe I will soon decide to use as my primary account. However, I can’t see any extra benefits N26 would offer in case of that transition?!

Apart for being very flexible and transparent, I have noticed that you are falling in the bureaucratic turmoil. In 2019 I was able to take 1000€ overdraft. Which eventually I paid it back. It was very helpful in the first place. I tried to check it out few days back, and after filling out a quest, it tells me that I am not eligible.