It feels safe enough, modern enough
I live in Ireland and I suffer with the outdated banks here, essentially Irish brands only. My bank particularly doesn’t have Apple Pay, the security measures seem insecure (only a 6 digit pin code to access the app) and so on. So when I found about N26 I didn’t hesitate because it feels much safer, as I can do most of the control online (e.g. block my card if lost). The customer service is fine, and while not the friendliest out there, they do the job of supporting.