Time consuming and not reliable app
Simple banking app with a lot of technical issues. When some technical issues are faced, the customer service  is useless.
I'll give my example : I wanted to do a simple transfer, there were a technical issue. Customer service gave me a way to solve it, it took me some time and did not work. I contacted them again and there were not able to solve the issue, I can understand it could be a complex one but, where other banks will do the tranfer for you on your request, N26 customer service "is not able" to do it.