Unfortunately I have come to believe there is no banking service that won't do things like this at some point. For example, I used to swear by N26 until I had a small issue (involving some tiny amount <€50). I told support very politely that I wasn't happy. Their response was full nuclear "pay everything immediately or we're sending your details to a collection agency". I was amazed, I had been a loyal customer for years and this was such a disproportionate response to something tiny. I had been intending to try and work things out,but from that response I simply withdrew all the money from my account and closed it. Now I use Transferwise, and have had no such problems, so far. But I'm under no illusions that I won't have problems in the future.