Beware of N26
Beware of N26, the other bad reviews have it right. 

When it works it's great: modern, in english, fast. But when you have an issue you better prepare yourself for the worst, most stressful situation ever. They are simply not prepared to deal with the issues regulations and app woes present them with. They have a terrible Customer Support setup that makes it difficult for you to get a fast solution to any issue. Furthermore, while you are trying to sort things out you're blocked out of your account and you don't have access to bank statements, balances, or anything. That means you're in the dark as I have been for a month in a half. They ask for "patience" and "trust" and I'm pretty sure they're braking banking rules all the time with these practices. 

They tell you "you can still use your card"...sure, but what about transfers, 2 step verification, knowing if no fraudulent transactions have happened...Silence. They cannot deal with real world problems in a professional manner. This is a startup playing to be a grown-up bank.

So if you like to live dangerously, go ahead, but please don't make it your main bank. It is not simply there yet, might never be since they actually were better in the beginning.