I’d agree with all of that, having opened my N26 account on Day 1. It was only about a month before the closure announcement that I suddenly realised direct debits and saved payees were in fact supported (albeit pretty badly – there was no way of telling my own accounts apart) and it took months for the notifications to be time stamped in GMT rather than CET.
The innovations (drag and drop money transfer into a Pot) were confounded by arbitrary limitations (only allowing two Pots unless you paid!) and N26 backed the wrong premium providers (looking at you WeWork).
A shambles, which was a shame because I enjoyed the design aesthetic and I think N26 will be a pretty big player around the world. Who knows, maybe in a couple of years it’ll rejoin the UK market or merge with something like TransferWise.