Very good experience with N26 Standard account, chat support is helping promptly
I have a wonderful experience with N26 since I started using it a year ago. The design of the app is nice, transactions are shown in the app very quickly. I had to use the chat support once and I promptly received help from the team. I had to pair a new phone since I have broken my previous phone, and support paired it after verification. I'm using a Standard account.

The only thing I don't like that much are the transparent cards that you receive with the free accounts. Hope they change them into regular cards. I also hope they offer the option to buy cryptocurrencies which I miss from Revolut (however I hope buyers will also receive the crypto keys and be able to transfer them to another crypto wallet).

I can't understand the negative ratings, in many cases the issues seem to be on the side of the users (e.g. low credit ratings, legal history).