Everything is smooth and easy until it…
Everything is smooth and easy until it isn't. N26 doesn't exel in customer service. Processing times are slow and it has become a habit to not answer inquiries and don't even send receive confirmations. The service has always been underwhelming, that's not new. It just reached a new bottom. The chat "experts" are not experts and more often than not fall back on standardized anders instead of individual help. And saying " because of corona" is a terrible excuse for low performance. In my case I simply asked N26 to transfer a hold amount after a fight with a municipality that left my account in freeze. And while any "not-online-only-bank" is fully able to execute such requests within a few hours, it would take N26 several workdays. So no, not ok. Plus: If you don't qualify for a premium account, you will pay more in monthly fees and charges than having a N26 metal account. The logic is impeccable, the service poor.