I had a very bad experience with N26
I had a very bad experience with N26. They have a nice concept but whenever you change phone number or change ID document this is very complicated to sort it out. 
They don't update your ID document and if you don't remember the number of your outdated ID you cannot identify yourself anymore. 
There is no phone number, no one you can actually talk to to solve your problem. So there is only their automatic chat.
That helpdesk chat is a very poor service with no follow-up and it looks like it is a robot and not real employees behind this chat.