The worst bank I've ever dealt with
I have no idea why this bank has good reviews online, it's absolutely the worst! 

I joined because it stated that I could have different currencies on my account. When I got paid for my first invoice with the company I'm working with, nothing showed up... 

Then I had to go through the hell that is trying to speak with their customer service... The first time, someone answered straight away, only to tell me they couldn't help and would put me through to someone who could. It was incredibly confusing to know if I was being put through to someone else because I kept getting a message asking if my query had been resolved, first when they said they were putting me through to someone else and then every time I was checking with them if I was actually being put through. Then I waited for quite a while before someone answered and when they did, they mentioned I couldn't be paid in foreign currency, unless it was done through Wise, which was not explained properly when I joined. I thought I was losing my mind but when I did a quick google search, one of the results from N26 themselves (an ad on Google) confirmed they memory I had of them oversimplifying the offer. Luckily I did a screenshot because I just tried to search again and that result is no longer there. I didn't retrace my research again because that will take a long time but I did my due diligence before selecting this bank, and my decision was based on the fact that I could easily receive money in a foreign currency. They said that they money should bounce back in a week's time and if it didn't, then the sender would need to open an investigation to understand what happened. 

I wanted to make sure I had all my details right so I went to find my chat history and obviously it's nowhere to be found. I then started a chat and waited 30 minutes before anyone answered. When they did, they felt like they were a machine to be honest and were completely unhelpful at first. Finally I got them to give me some answers and they said that they had my chat history but couldn't send it to me. SERIOUSLY??? I was livid... They said that the only option I had was to select to save the current chat after I ended it... By then I had ZERO trust in them so I did screenshots of the entire conversation. At the end of the conversation, I mentioned that I couldn't see an option so save the chat and their response was literally "You have to end the chat first." Surprise, surprise, I ended the chat and there was NO OPTION AT ALL to save it. Good thing that I knew not to trust anything they said and got the screenshots earlier. 

Regarding the payment, they asked me if I'd received a message from them regarding foreign currency transfers. I had no memory of that, so I went to check my messages and I was correct, I never received that message. The only message that was similar was one informing me that they would introduce fees for SWIFT transfers in foreign currency, which had nothing to do with my issue. In terms of the amount of time it would take for the money to re-appear in the sender's account, this time they said it would be within 7-10 working days, so who knows, if I ever ask again it might be another random number...

I have now created an account with TransferWise (also known as Wise), which so far seems a lot more transparent. Fingers crossed!

In summary: DO NOT GET AN ACCOUNT WITH N26, THERE ARE ENOUGH HORROR STORIES ON TRUSTPILOT AND ONLINE THAT SHOULD BE ENOUGH TO PUT YOU OFF.