An outstanding modern banking alternative
N26 as it stands is most of what a contemporary bank should be, and its innovations and usefulness are expanding daily.

As an American expatriate living in Italy, I enjoy the alternative of maintaining a German account for its efficiency and international usefulness. It was also acceptably simple to open, which is hardly the case with traditional banks here.

Big pluses are the lack of fees for maintaining the account and universal ATM use. I travel alot and this is considerably useful to me. I have also found my funds immediately accessibile upon transfer from TransferWise. The dynamic of this blows any conventional banking relationship away.

Customer service is good but could be improved beyond the current navigation for support and their preferred online chat. That has been my single frustration to date though on the two occasions I had problems to resolve they were ultimately satisfied properly.

I highly recommend N26.
I am quite happy I discovered them.