I use it too, and have just experienced how wonderful their customer support is thanks to a stolen card (online unauthorized charges, likely via a web store I used recently). I was alerted to the charges thanks to the app alert, which is really fantastic. They fixed the problem swiftly and sent me a new one without charge. Very pleased with the good service. Plus I'm not aware of the lock function in the app so I'm going to keep the new card locked unless I want to use it, thus avoiding future possibility of fraud.

I'm in Germany as an American and use DB. They're creaky, but it seems to get the job done.

What do you feel is the advantage of N26 over older banks?

The perks are nice, the app is great: I really like spaces. Sending money to other N26 users is instant. 5 free ATM withdrawals. I could go on

> 5 free ATM withdrawals

Banks in Germany normally charge you to get your own money from a machine?!

Most of them have their own ATMs where withdrawals are free, and you have to pay for withdrawals from other banks' ATMs. Same for international cards: many ATMs now include a withdrawal fee for European cards, which will likely be a nasty surprise for many tourists.

A bunch of the banks have free withdrawals from all ATMs though. N26 is one of these, though as parent said, that's now limited to 5 per month. Several others are still free without limits.