I would give N26 no stars if I could.
I would give N26 no stars if I could. Bank card did not arrive.After the event, was advised they do not accept commercial addresses for issue of the card, despite the registration system/chat line initially saying it was acceptable! Chat line cut me off twice so had to explain the issue three times. They did not understand that not everyone in Spain has access to the postal system so rely on PO boxes, which again they do not accept for issue of the bank card. They clearly have not researched the Spanish market well because it was their assertion that every home in Spain has a postal address!  Further I did not receive any kind of contract to see the full terms and conditions so was shocked to find I was on a 12 month contract (???) and that if I wanted to close the account immediately I would have to pay the full 12 months' 'fee' for the You account.  I naturally believed I could close the account with no penalties 'at any time' as they said.
All in all, N26 are a sorry excuse for a bank. Does any bank offer you a 12 month contract for their services?? I have just thrown away 108 euros on this shoddy outfit but quite frankly I am just glad to be free of them. Stay well away.