Well I’m very disappointed with them and I’m now trying to cancel my account with them.
Signed up Mid-November and they’ve still not managed to send me a debit card and not had any correspondence from them to tell me why. Although they’re sending me emails reminding me to activate it.
Spoke to, I suspect, a chatbot, in online chat and they said it’s was ‘rejected at destination’ which I suspect means there was no-one in to sign for it but no ‘we missed you’ card or option to get it redelivered or collect from somewhere else.
Tried to cancel my account in the online chat, and apparently I need to complete a form (which asks for my card number…) and email it back to them. No option to do it in app or online. If security is an issue, which is easier to fake? Login into the app on your phone (with biometrics/face ID/PIN) or sending an email with a fake return address in someone else’s name…?
So, I’ll stick with Starling and Monzo. I only went for the standard (not metal) account just because I like to see what options other banks have. But at least in the UK, it doesn’t look like N26 offer anything significantly different from the other two anyway.