Almost perfect.
Almost perfect.
I've been with N26 as my main bank account since November or December of 2018 and I've been very pleased with my experience so far. 

Design:
The transparent card is amazing, let's be honest. Also the new card designs for the subscription models look really nice. The only downside I see is that my credit card number already faded away, maybe try a different paint? 

App:
Everything you need is in the app, which was well programmed and easy to use. Personally I love to use the 'spaces' feature for budgeting.
Also using 'Cash26' (available in Germany) to deposit cash has been a great experience. By the time I'm out of the store the money has already been put into my bank account.

N26 is one of the few mobile banks I know of that also has a standard web interface you can use from the PC. To me this is very important.

The downsides:
- only 3 (or 5 if you're under 25 or use N26 as your primary bank) free withdrawals per month

- The Maestro card is NOT compatible with Apple Pay / GooglePay even though those systems can work with Maestro (please add this feature, I use my Maestro card a lot)

- Customer support is really busy in peak times or when there's a problem affecting multiple users, please hire more people. But even in those hard times the support team tries resolve your problems as fast as possible.