[Cenk]

I’ve been using N26 for a couple years now, and I agree with almost everything you’ve said except the customer service part - it’ been unbearable slow for me, especially in emergencies. They don’t offer a hotline, for example, so when my credit card data was stolen and money taken from my account I spent 45 minutes in a little chat window in their app waiting for my turn. If you switch to another app, or your phone locks, or you lose your internet connection you lose your place in the queue. In the end they did do a chargeback on the money, it took about 6 weeks though and I had to get in touch with them multiple times.