Safe, Smart, Free
Safe, smart, intuitive, modern, innovative. In other words, effective.
This and much more is N26.
It is completely free and it has no hidden fees. 
Opening your bank account will take just few minutes with the possibility also to get a “welcome bonus” if you’ve been referred by somebody who is already a N26-user.
What struck the most?
Money beam is the service I love the most, what about going out for dinner and not being able to equally divide and pay the bill? Money beam is what you are looking for, which is the possibility to transfer instantaneously and freely money to your friends.
Paying through Apple and Google pay is possibile and it is another big advantage. 
More over, what I really like are The Spaces, which are goals you set and you try to achieve saving and putting aside money within your own bank account.
All this stuff and more is done with your smartphone.
In my opinion, it is very convenient. Let’s do it.