Absolutely pointless
I signed up for an N26 account so that my husband could transfer me money to pay bills online.  More specifically, my car payment which requires us to call the bank and both give consent to charge his account for my car.  Due to the pandemic we haven't had the time to go to a bank and open a joint account, I thought this would be easier.  The problem is...like most people....my car payment is well into the $300s, but you can only transfer up to $150 at a time.  Additionally, I can't even transfer money because they require your name to be on the account or card you are transferring from...if I had a debit card with my name on it, why would I need a second debit card to transfer my money to? In all honesty, this bank works for one situation alone.  You have no one you want to transfer money to EVER, and you have a job that pays you via direct deposit.  This would be great for a parent to give their teenage son or daughter, as for a functioning adult with bills to pay and money to constantly transfer to other family members, it will not work.  I don't even need the account anymore, it's sort of useless.