Just like the Big Boys at the end of the day....
I've been using N26 since last year of August 2019. No problem with any direct deposits from employers, no problems with debit card transactions, and no problem with cash app or paypal use. Everything was fine until this evening when I received an email stating N26 declared my incoming Unemployment Insurance deposit "fraudulent" and sent back the funds to the "original sender" which is the state of Massachusetts UI, a government agency. I contacted them via phone and they told me they couldn't explain why this had been determined but they were confident in telling me that they wouldn't accept any deposit from this "original sender" at all. 
This was honestly the nail in the coffin and the end of my use with N26 after a 10/10 user experience with this bank in the short time I've had them. I've had 5 figure balances and transactions go in and out with no problem while being employed but when I actually need money now, they go ahead and deny my Unemployment Income during unprecedented COVID times. How could a company be so cruel and inhumane? What are the odds an institution declines a deposit from a verified and true GOVERNMENT agency but accepts payroll deposits from shady employers who barely have a website running? 
What kind of sadistic act is this N26? This has definitely pushed me towards cryptocurrency even harder, because not only do traditional banks lack any empathy whatsoever, but so do up and coming "challenger" banks. All are corrupt if you ask me. Stay away from all banks, guys.