Awesome banking service
The banking service, my black metal card and the app are awesome. Love that when I pay at the register, the app essentially confirms the payment even before the terminal does. Also, SEPA transfers in both directions are very fast.
The only problem is the quality of the support. While they managed to solve my issue (payment authorisation not refunded within the 12 day maximum limit), I really had to argue my case and was told to just wait another week. That isn't really an acceptable answer.
However, I see that as a symptom of the rapid expansion of the services, so time will tell. Meanwhile, I would still very much recommend N26. At the very least as a secondary account.