Only for Bobos
This is not a bank that can be compared to a "real" bank. For example, N26 cannot issue receipts for individual postings, only account statements. Therefore it cannot be used for any commercial use. If you judge this with the service, you will be lied to and fobbed off with empty promises. This construct of this Austrian high-flyer is in truth not practical and will be buried in a few years for what it is now: just a hype.