[Hidden Fees!] They steal money from your account without notice
I track every single transaction on every account I have. 

N26 magically goes down faster than any other because of 2 things:

1) They add additional fees to the transactions days later..., so if you spend $20 you might see $20.20 at first, which already has fees, but then you might see $21 or $22.10 several days later. (i.e. additional fees)

2) They lower your balance based on invisible transactions, today I literally found my balance to be 30 Euros less than it should be and I reviewed all my transactions, I didn't miss a single one, that money was literally stolen by N26.

I will use this card less from now on.