Beware - not everyone can make online payments!!! Poor customer support.
N26 is a great bank, IF you DON'T have to contact customer service. 

Now you may think, "Hey if everything they offer works, then there should be no problem. Meaning if I can pull my money and make purchase with my card. Perfect!"

And THAT'S the problem. The very foundational core features of any bank, is being able to:
 
1 deposit money 
2 withdrawal money 
3 and make purchases (this is the problem)

However, with N26, you can't always make purchases. 

They have a problem with making online transactions using 3DS (secure online payment service), which forces you to login via the N26 app, and approve the online transaction you are trying to buy.

However, the app always gives me an error saying, "Error: No internet connection", after I login to the app and try to approve the purchase.

Clearly, I have do an internet connection, as I have to login first to the app.   

This has been going on for a YEAR now. And yes, I've always made sure, I have the latest version of the app, deleted the app, and re-installed the app countless time, made sure I've enable all push notifications. 

I've tried getting a new card shipped to me, the app kept on giving me errors while trying to complete the process, charges me twice for the new card, and after 1 month, the card still hasn't arrived (even though they say it only takes 10 business days)

Now you might think, I'm just a rare case. I called my one friend who also has n26 (lives in a different country) as well, and he told me he has the same exactly problem. (and no one has been able to help him either)

Now, here is the REAL problem, not one N26 Customer Service rep, has any idea that this problem exists, and they give me the same go around ("do you have the latest version of the app etc.. etc..") and they keep telling me to email in a support ticket. Which I have, several times, and all I get is a response, that someone will reach out to me in 7 business, and it's been MONTHS and still not a world on how to resolve this issue.  Heck, I can't even get a new card shipped to me. 

And this is the crazy part, I'm paying THEM money, for something they claim, they save you money on! Which is making purchases with no FX charges - and I can't! 

I'm actually losing money as I have to wire money out of my n26 account into another account so I can make a online purchases.

I can't even make a fundamental transaction online, and they are claiming to be a modern high tech fin "bank", and, in Germany of all countries. Yet, no refunds, no reply from customer support, I can't get even order a new card. Very unprofessional!!! 

Just a tip N26, maybe stop scaling your user base, if you can't keep up with the customer support? There should be bank regulations for this. 

It's been 1 year, I've been potential enough.