Downgrade to Newcomer after 5 years after Test of Smart account model.
My account with N26 exists for over 5 years, a customer of the "first hour". Now I wanted to test the "Smart" account model. After a few days, I found that it gave me no advantage for the equivalent of 4.95 euros per month. Therefore, I revoked the upgrade. N26 then downgraded me to the current standard rate, and the previous benefits of my long customer relationship were gone. I was treated like an absolutely new customer. Even complaints to support led to nothing.
This is how a bank can annoy its customers in the worst possible way.