I have been using N26 for nearly a year...
I have been using N26 for nearly a year as my primary account and until now I am completely satisfied.
Everything works fine. Simple, transparent and easy to use. No fees for basic account.
Customer service quick and helpful. 
You could add some more options with personal credit, for example, if you want to repay early or just add extra money on it.
With my experience I can only recommend N26. I hope they gonna stay like that!