Overall I endorse N26
Overall I endorse N26. I am an American who studied abroad, in Germany, then Switzerland a year later. My experience: I was able to start my account in the U.S.A. but I needed a European phone number to verify, which I got when I was in Germany. A year later in Switzerland I was able to  change my phone number, after a long call to the N26 help line. But I love they have no atm withdrawal fees in Europe (for some amount per month). Also, it is much cheaper for me to transfer money to my N26 account than to use my American credit card. So overall, I have had a good experience with N26 as a U.S. citizen who is living in Europe for a few months.