For marketing themselves as international - very disappointed.
For marketing themselves as an "international" and "innovative" way of banking I am truly disappointed in their operations.
For someone with a frequent change of location and footprint I would rather opt for another bank.

- Online facial recognition mechanism was a HASSLE to get to work, took me approx. 2 weeks of declined trials
- BIG Hassle to change address, especially if you figure out after a while that you need a card (when you move a lot between countries you know that you have a higher or lower dependency of physical cards - hence you might want it in some countries and not in others) (I know this is EU bank regulation --> then please don’t use the "mobile" banking as a selling point if you simply cannot be more mobile than all other vendors, also I was flexible and tried to offer other alternatives e.g. picking up the card in person at their location in Berlin - TBH I would rather travel to Berlin and pick the card up in person than having it sent to an address where a stranger lives in another country of my current residency)

*Edit1* , new areas where I don’t think N26 meet expectations
- UX bug in the verification process that I have highlighted to customer service without seeing any solution on (No expectation management screen during verification - the app gets stuck in a "limbo" between two pages)
- UX bug in their online customer support chat. If you re-orient within the N26 webpage (e.g. goes from the starting page to card services pages) the Customer support chat restarts. Hence you need to stay on the same page within N26 throughout the full support errand. This was particularly a problem when the support agent asked me to go and look at another page. This means one has to restart the support chat and most likely will be given a new support agent.
- Inability to provide customer service to customers without physical cards (also if you read my comment above this is ironic as they cannot send me a physical card...), A digital bank should have a more solid verification system in place - if you rely on physical cards you are not a "digital" and "International" viable option - sorry to break it to you.

*Edit 2*
- re-verification was not approved within 8 days (5 working days) which is what they promise on the website.

*Edit 3*
- Changed review from 1 star to 3, as I got access to the video verification (previously not accessible in my device due to above stated UX bug). Very safe and efficient method to verify compared to their offline offer. This was exactly the kind of smoothness and hassle-free solution i expected from a NeoBank.