Fees for transfers!!!
Three stars moving up or down, depending on future events.
I read the horror stories posted here, so I was quite suspicious and scared.
However, until now everything went decently, with a couple of important warnings, though.
PROS:
I opened the account in minutes
I paid once contactless and once online: instant record on my expenses, fast transaction
I received my debit card in the timeframe they had given me
App is fast and easy to navigate
CONS:
There is a fee for bank transfers. This was not advertised and defies the purpose of having an N26 account: savings on fees! As I am not putting all my eggs in a basket, I need to transfer money a bit at a time to spend it just when it's convenient to use N26. No way I am receiving my meagre wages in a foreign account without in-person office, when reviews talk of sudden account closures with no refund!
Also, the fee for receiving my card didn't appear until I received the card. I'd rather have an immediate record of pending transactions to keep track of my ACTUAL funds.
In synthesis: let's see what happens. I am no financial wizard, so I will study a way to move money on this account without paying crazy fees. Short of that, I fear that I will have to close the account, which is a pity as the app and payment system work just fine.
Updates to come as stuff happens.