[scalesolved]

As a customer of N26 and Natwest/Barclays I feel that N26 in my experience has won in every category.

Superior support when I need it on demand, the tech and apps seems solid, intuitive analysis and usage, the ability to have multiple sub-accounts and the ability to create rules to route money between them.

Natwest in particular seem stuck in the past, I cannot count the amount of times I've opted in for digital communication only and always continued to get letters to which I can never get through to support.

[kristianc]

> As a customer of N26 and Natwest/Barclays I feel that N26 in my experience has won in every category.

And if NatWest were the only competition in this market, I’m sure N26 would have done fine. Monzo, Starling and Revolut all have far superior products and market offerings however.

[scalesolved]

Oh for sure, Monzo and Starling I've heard very good things of. Revolut doesn't have a banking license so hesitant to include them here.

[kristianc]

That’s not completely accurate. Revolut has a specialized banking license, which means they can offer a limited range but not investment banking services.

[thesimon]

>Revolut has a specialized banking license

Do you have more details on that? FCA only lists a e-money license.

[andylynch]

Revolut also has a Lithuanian retail banking license. They were planning to become a UK bank as well but I haven’t seen anything about the recently.