It's cool like Starbucks, but scary too
I personally love it so far but I fear the horror stories coming to fruition with my account so I'm only keeping a small amount (€100) in it for now. Functionality-wise, it's a lot better than your brick and mortar banks and their bare bones apps. As a college student, it fills that area of sleek, trendy, efficient and minimalist online banking that I crave for. 

I represent a college sports club which was approached with an N26 sponsorship but we rejected their offer due to the bad press they have received. Irrelevant story, I know, but I hope to approach them if I find that I truly support the product.