Something is VERY wrong with these guys
there seems to be something very wrong with these guys. 
they sold me a platinum/metal card which is meant to come with benefits like insurance and airport lounge access which is still payable monthly.
Not to talk of the fact that their cards are not accepted in various places and they put unnecessary holds on them.
they claim to be affiliated with allianz insurance but in reality are employing some sort of thugs to answer their phones and bully customers. 
due to flight cancellation i made a claim over a month ago, i am yet to receive a penny, each call i make to their insurance company sends me back to N26 and each time i make a call to N26 they send me back to allianz, so they have me in a constant forever loop.
it is a miracle that no one has bothered to investigate these companies, i dont know if their directors have any idea of how their businesses are being run. i made some research and found them on linked in so after this i will be sending them a very detailed letter about their activities.
the last time i complained about their services, they shut down my account and told me they will not be having me on board as these are their policies etc etc. i went through those policies carefully and spoke to my lawyers and sent them a detailed response which they then replied by opening my account and giving me 12 months fee waive but with access to all benefits still.
now knowing fully well how much of a very poor service they have i will be looking to write to their owners, if no response i will write to the financial services and i will keep going till they eventually get an investigation started. 
My advice to whoever wants or is dealing with them at the moment is to be extremely careful as this company can cause you troubles ahead! please be careful!!!!

PS: I am very sure they will try to close my account after this post, stay on this page i will update shortly :)