A rare bank that has it all!
I've had N26 as my main bank for more than a year. 

The free account is more than enough for my needs, I love the ability to control every aspect of my account & card directly on the app. In the 2 years that I used the N26 app, it has never been down or inaccesible so far. 

Having a banking license makes them more trustworthy compared to other mainstream neobanks or local digital branches of incumbent banks with horrifying user experience.

If they build virtual & disposable card features and an investment account(in Italy) ,I will happily move to a paid account.