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N26 is PSD2 compliant [1] and they seem to have a sandbox available [2]. I can't speak to the dev experience but I like them as a customer.

[1]: https://support.n26.com/en-eu/security/open-banking-psd2/psd...

[2]: https://github.com/n26/psd2-tpp-docs/blob/main/doc/sandbox.m...

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As a customer who has managed to fall in between cracks quite a few times. I would say N26 customer service needs some serious work.

At one point they literally lost some of my money and then said it was returned but I wouldn't be able to see a transaction for it because there wasn't one. That is probably the worst but other times have seen me on the phone arguing about stuff that really shouldn't need arguing about.

PSD2 requires a business and a very expensive license to operate. It's unfortunately not something that retail customers can get direct access to.

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