Changed my mind!
I have to change my review from 1 star to 4 as since my negative  review here I was contacted by the customer service and the issue was resolved promptly.
 I now have my N26 bank card and so far I'm pleased with it. 
I am still taking a star off for the stress that was caused and time that I have spent trying to fix the problem which was not my fault in the first place but I do appreciate that they actually do care about customers feedback.