No support, privacy invasion and hidden costs
So, you are lured in with a "free" account. So far so good, even though you only get a "digital card". This in itself is not too bad for use with online shopping and for 10 bucks you get a plastic card mailed to your home. 

Well, in theory! Before you even open an account you provide all your personal data (KYC and AML requirement). Once you have done so, including passport photos, you get to activate location data on your phone for "extra security". Right. extra tracking that is. If you decline, you get logged out and need to log in and start over with the passport info, etc. 

In all, the app is just a data phishing tool which leaves you with no way to open an account if and when you do not grant full access to location and everything else. If you want to resolve this by contacting support, there is no support, no even an email address or chat listed on the website. You have to "move to the app", which only works once you provide all details and access. 

I get it, there is no such thing as free lunch and there are stringent regulatory requirements with regard to personal data. However, just grabbing the info and not even providing any support is a bridge too far. I want N26 to immediately delete and remove any and all information I have provided from their servers and files and cancel the account opening procedure. However, I can not even communicate this to them directly! It will be a cold day in hell before I entrust a company like this with even a single cent of my assets. Any issue you have, you just lost your funds because they can not be contacted. 

Do yourself a favour and avoid N26. There are better and more transparent alternatives. Yes, you may have to pay a few bucks for a card in the mail, but at least you will have support and access to your data.