STAY AWAY
STAY AWAY, this is not a bank, the service they provide resembles more PayPal or Klarna.
Was with N26 for 2 years, regular income of 2000 euros circa. Requested a loan or an overdraft of 1000 euros and was rejected due to risk, which I found quit strange as I am a risk analyst myself. Customer service was rude. Moved to commerzbank and was granted an overdraft immediately based on my income, permanent work contract and schufa. This is not a bank, if you will ever need a loan for a car, mortgage etc.. this is not the place. Better to open an account at an establish bank to build history and good credit score and not to spend time with this experimental "bank". STAY AWAY!