No complaints so far
I've had an account since Sept 2019 and so far am impressed with N26. I like that the cards and services are free of charge, the app is fairly easy to use, and that I get notified every time I make a purchase. Some of the bad reviews have made me a bit nervous about future issues with getting money out from my account or losing access to my account, but so far nothing to complain about. The only thing I wish that was available would be customer service representatives who you could talk to on the phone, rather than this only being available through a chat service on the app.