N26 are either bankrupt or frauds. I've been defrauded by them recently, on 24th dec they stole £2000 of my money and now they're just ignoring me.
I had my n26 black account  for a few months. Used it for every day spending as well as transfers with no issues until recently. I needed to transfer £2000 into a different account as holiday funds. It just went missing - completely gone. Hasn't arrived into my other account and went out of my n26 account at the time of transfer. I've been on chat conversations with n26 staff only for them to repeat the same script over and over again. Just chat bots saying how sorry they are and they're sorting out the situation. On the phone no luck either. I've made an official complaint with Financial Conduct Authority in London and the police for missing funds. But that will take time investigate. In the meantime I've given up all hope of having access to my own money. I have saved all conversations with n26 chat bots.
I'll post all their bull.. t in due course.  I advise all n26 customers to take all their money out while they can, there's something suspicious going on with this so-called "bank". They're either on the brink of bankruptcy or they're complete frauds. Stay away from these n26 frauds.