The mere fact that almost 20% of…
Strong avoid!

The mere fact that almost 20% of reviews here are 1-star should raise alarms in every rationally thinking person. They have millions of customers but on the other hand they block tens of thousands of accounts daily - due to their faulty algorithms which flag transactions for no reason. Furthermore, because of the high volume of blocks and complaints relating to them the customer service is paralyzed. 

My experience is as follows: opened an account, transferred money into it, started using the app and card, used it for three weeks, nothing suspicious nothing illegal. Then one day when I had been using VPN to access television app from my home country, and had forgotten VPN "on" on my phone I opened the N26 app. It instantly asked to verify my Face-ID again, which I did. I also closed my VPN and logged successfully in again. Three hours from that I received an email that my account is going to be closed based on the very same terms which have been covered here in almost every review. 

My assumption is that N26 algorithms flagged my account because based on the IP-addresses it seemed that my account was accessed from two different countries within one minute. This would most likely also explain why a lot of N26 customers have been stranded at airports when all of the sudden their accounts are not working. 

In my case I was lucky. N26 gave me 14 days to empty my account and kept my app and card working. Not everyone is so lucky though. There seems to be three kinds of scenarios. Mine already mentioned, second where all transactions are blocked but the person is paradoxically being asked to empty the account, and third where the account is entirely blocked on the spot.

Good luck with N26 account. I wouldn't trust them. I'm back using old fashioned banks where there's customer service who know what they're talking about and are able to provide a lot more than an apologetic spam letter which is soon sent out as an answer to this review, too.