Decent customer service line, terrible systems
Decent customer service line, hassle free to set up but payments arrive later than every other bank. Which for me is a show stopper. Everyone else in my office has recieved their monthly pay and expenses. I regularly recieve mine later than the others. Today nothing has arrived in my account. Its 1pm. I'm due to fly out of the country in 3 hours and can't tell how stressful this is.

Support helpfully told me that in January they will be able to give me an overdraft.

That's really not helpful. 

Would be a great bank if they could get the basics right. 

Currently they can't.

Update : it was a bacs transfer, and it arrived at 5pm. Everyone else recieved theirs by 8am.

This weeks expenses arrived at 8.30 in the morning so I've moved the ranking up to 2 stars. I guess it was just n26 being understaffed or under resourced at the end of last month. 

Or perhaps they just enjoy an extra days interest. 

If receiving your money in a timely manner is not a priority then n26 are a fantastic bank. 

If they can solve this issue I will come back and rate them a 5.