Subpar banking
Subpar banking - refunds go missing especially Apple Pay refunds, it is always 'the merchant' who is to blame it appears, every other banking institution has no problems processing Apple Pay refunds, most clear the next working day. My refund is still missing and it has been around 21 days. 

Leave the UK market, we don't need trash like N26 when there are other competitor banks such as Monzo and Starling.