Awesome fintech service.
I cannot give 5 stars because when opening the account, it gets tricky to get registered by the identification service (self-photopgraphy of IDs, passports and stuff); but I get this technology will improve over time and security / legal requirements must be accomplished.
Overall it's a great app and a great service. I cannot think how classic bank entities will be able to compete against fintechs having apps like N26 on the market once the latter start offering the usual financial services.