Nightmare Bank
I admit that I was pretty naive when I signed up for n26.  As an American expat living in Europe I found the traditional banks slow, bureaucratic, and difficult to work with.  N26 seemed like the perfect answer.  I was interested primarily in the convenience it offers.

What I should have been more concerned about was accountability.  With n26, there is none.  There isn't anyone you can go to if something goes wrong.

Something went very wrong, in my case.  And because n26 support is such a black hole I still can't really even say what it was.

Essentially, I was frozen out of my app and then the web account went too.  I'm not some nefarious character and don't have any financial irregularities: I get a regular paycheck and pay rent and utilities every month, go to the same grocery stores, etc.  I have a US passport and a German Blue Card.  I'm not sure how my account was flagged but it was.

And every interaction with support has ranged from frustrating to miserable as I explain again and again how I need to access my account.  After two weeks of this--contacting support every single day--I was told that my account needed to be closed and to send an email to support to transfer the funds.  This was over a week ago and still I have not received any of my money back or any kind of update.  It took another two hours and four separate support chats this morning just to verify that my email was received.  But the agent STILL could not say when I would receive my funds.

In the meantime, I am unable to receive my paycheck, pay my rent or bills - life has ground to a halt.  I've never been in this position before.  

So please, before you sign up for n26, consider the worst case scenario.  And if convenience really means that much to you, ensure you've got a backup account somewhere else.