I think being a UK resident rules me out on the N26 front. My somewhat hacky solution at the moment is to use Bunq (who I must say have have been excellent) to have a Netherlands based EUR account and debit card, and to use TransferWise to bounce funds between that account and my GBP account with First Direct when required. I have a suspicion (based on some back and forth I’ve had with some of their team) that Starling Bank might be doing something interesting in the multi-currency space soon so fingers crossed.