Do not trust N26
Do not trust N26 - they will not help you if you experience any fraud on your account. 

My boyfriend was a victim of fraud recently due to fraud that took place whilst using an ATM. He lost 2000 euros as a result. N26 lied to us, and said that Mastercard had made the decision not to refund the funds back to his account. We followed this up with Mastercard, who confirmed it was in fact N26 who made the decision.

For 6 weeks, we have been trying to get help via N26's support and complaints department, but they will not help us. They have said that the decision has been finalised, there are no extra steps to help us.

We have repeatedly requested that they assist us to get CCTV from the time of the withdrawal to prove that my boyfriend did not access these funds. We have also referenced N26 terms and conditions that state that they will refund funds lost due to ATM fraud, and they have now simply stopped replying. Out of everyone we spoke to from N26's support and complaints department, not one member of staff offered any words of sympathy or acknowledgement for the hellish experience my boyfriend is going through. Very poor customer service indeed.

I have spoken to several other N26 customers that have also lost funds due to the actions of N26. These customers were only able to get their funds back through lengthy EC dispute resolution processes. It has become painfully clear that N26 do not care about customers and their money, their inexperienced staff only care about closing tickets, and they will simply ignore any messages containing evidence relating to serious fraud. There's nowhere you can visit in person, there is no number you can call - as a customer, you are completely powerless in this situation. 

Alternative reviews you might read about N26 simply relate to customers who have never had any issues or lost any money, but that is a very precarious position to be in as a customer. Think carefully about whether you want to take that risk when you are selecting a bank. Better to go with a bank that will actually help you when things go wrong.