Full of hassle.
My two negative experience:

1) N26 does not work on INGENIUE shop/petrol payment processor. I'd an an embarrassing incident whereby I could not pay for my fuel as the transaction kept saying declining, giving the message "Transaction Void" on the receipt.
Humiliating and stress you do not need.

2)Recently, N26 has become autonomous and decides when it feels like giving you access to your cash when using the ATM. You may get your cash or pay not get declined as if you have insufficient fund.


Not my cup of tea. Putting it to the side for now.