Read. DO NOT open an Account. Here's why....
Do Not. No matter what you may have heard or what you may read. Do not open an "account" with N26.

A bank- or any consumer business- should be judged by how it performs in its worst moments and not its best. N26 is a perfect example. This innovative start-up has gained customers and market penetration but has done so at the expense of its customers: its' tech platform is unstable and its customer service is non-existent. Truly- you'll get five answers for a question but NEVER get a person on the telephone. Though N26 promotes itself as an online bank, that's a ruse. When problems arise its ability to solve them requires the sort of traditional intervention of staff to solve problems that can't be solved by an algorithm. And its investment in staff is abysmally low. I've been locked out of my account- while traveling overseas- for three weeks now. Despite assurances that my debit card would continue to work it does not (see below). I've had to make costly compromises to how I bank myself abroad that have wiped out any advantage that N26 promotes- and has cost me hundreds of dollars. Prior to this debacle I had bad consistently bad experiences over the past 18 months: five terminated / dropped online conversations and a wait as long as 90 minutes for an ONLINE chat. No kidding- an online chat. I'm told by insiders that N26 spends 10,000x more money on customer acquisition than it does on customer service. 

N26 is focused on building a paying customer base but fails miserably in terms of customer service. When I received a response a week or so after my account was locked it came from the "Complaints Department" (not a Customer Service Department as you would expect.) To wit, I'm not a complain I'm a customer- a distinction that's lost on this tone-deaf company.  Its founders are worth over $100 million while customers' needs are ignored. This is why banking gets a bad name and tech founders a reputation as entitled predators.