N26 has a history of problems. I would recommend staying as far away as possible.
[1] https://www.anwalt.de/rechtstipps/erneute-probleme-bei-n26-b... [2] https://www.businessinsider.de/wirtschaft/einem-n26-kunden-w... [3] https://www.businessinsider.de/gruenderszene/business/n26-er...