Terrible in so many ways
Terrible in so many ways. Here are just a few things that happened to me during my time with N26:
- I have been abroad to several countries (USA, South Africa, etc) and none of my N26 cards worked -- I was sometimes able to withdraw cash, but most most of the time it was impossible. Things work fine as long as you stay in the EU (including Iceland, Switzerland etc) but do NOT rely on N26 when travelling abroad. Funny enough, a woman at the JFK airport told me that she sees a lot of people with "transparent cards" (the debit card of N26 is transparent and very easy to recognize) having problems paying for train tickets or get cash at the airport.

- No support, no support, no support. Nothing feels worse than being in a foreign country with no cash, cards that don't work and no support to call because it's 11pm in Germany or it's Sunday or whatever. Again, do NOT use N26 when you go abroad. Definitely open an account with a proper bank that has a trustworthy history and that will give you cards that are guaranteed to work all over the world. And a bank you can call 24/7, too.

- I was once locked out of my account for an "indefinite" amount of time because the phone number I'd used to register to N26 used to belong to another person before me. Again, calling N26 was useless and I had to find this person myself (who thank god used to work at my company) and ask them to unlink their old phone number to their N26 account. During that time I was unable to withdraw cash or access my account on the app.

- My money once disappeared temporarily just to come back a day later or so. Customer support apologized and said that a "bug" was preventing me to see how much money I had in my savings.

- The app has a TON of bugs, some of them have been there for years now. Like the savings/investments section is totally messed up, the numbers didn't even add up (like 1000€ and 15€ of interests would give a sum of 1010.97€ or some other random numbers unrelated to tax deductions or anything). On top of the usual glitches you have to get used to, I remember there was a time when the app was just crashing on startup but that got fixed fast thankfully