Terrible doesn't even come close
Terrible doesn't even come close to describing N26.  I raised a number of chargebacks due to online shopping issues.  N26 didn't refund any of them, and did not even reply on most occasions, they just filed and ignored the issue.  Other times they said that because I had bought online before, they assumed all transactions were real.  The app is rubbish, and I logged a complaint about it, and at the same time reported a problem transaction.  I was asked for more information to be sent via the app, which I was unable to do.  I then called in, and spoke to the same person multiple times, and he kept cutting me off, as he said he "didnt like my tone!".  I made calls at 17:50, 17:53, 17:57, 18:01, 18:11, 18:21 where he kept shouting over me, and cutting me off when I disagreed with him. He refused to give me his name or make a complaint about how he was handling my call. Complaints I have made in the past were not taken down correctly, and the reply to one of a series of complaints was to send me an email saying they were not going to take any action. Rubbish.