[titanix2]

I tried N26 for a few month... before they close my account.

They require picture of two ID (which I gave during their outsourced identity verification process). Then a few month later someone noticed that the expiration date of my national ID card expired and send my a mail about redoing the ID check process. I told them it was unnecessary because the ID is still valid for 5 more year and gave them a link to the official government website explaining it. They pushed for the verification and swap the two piece during, except I couldn't do it because I was living abroad (the reason I opened an account in their bank in the first place) with just my passport. I withdraw all my money from the account two days before they lock it.

Lessons learned: 1. Their support is non-cooperative. 2. Their support don't care about the laws of your country concerning ID validity (even if EU). 3. They will lock and keep you money if they want. 4. Their ID check is outsourced and done by people not speaking good French/English. 5. They cannot swap the two ID by themselves in their database.

So keep care of this "bank" and don't put in it more money than you can afford to lose on their whim.