Good until I had an issue with a transaction
Had so far a great experience with them; very easy and fast account opening process. The MasterCard arrived two days later. Account and card do what they are meant to do and their App design and functionality are fab. Sadly, I ran into a spot of trouble with them, when I asked for a direct debit to be reversed. The original message was, that I should see the funds back, “shortly”, then four days later it was within “the next 48 hours”. This did not happen either, and now the communication around the re-credit has become rather elusive. “Real soon” is the best I get. Given that I was so happy with them, this is rather disappointing: As a bank and financial institution their communicated timelines need to be dependable, as I am making representations on the back of those. As always in finance there are repercussions, if I need to backtrack on my promises.
Checking the news, though, it appears, that I am not the only one with this concern as the German BaFin appears to have unearthed similar issues. 
Hopefully they manage to improve around this area, as I can otherwise recommend N26.