I'm using N26 in Spain where banks are…
I'm using N26 in Spain where banks are really slow and customer service is not to die for. The speed of transfers through N26 is well above that of the Spanish banks and so are their apps (both on computer and phone). The partnership with Transferwise is also a plus, as I needed to transfer money to fund property purchases and it worked quite seamlessly. One time there was a problem, but customer service was very helpful (the same person followed up to make sure it was solved) and it was sorted. Overall, the experience with N26 is well above that of the local banks, so I'm pleased to work with them.