Hi Giulia,
If you’re not living in an EU or EEA country, you are technically not able to sign up for N26. However, if you sign up using your parents address to receive the card, there shouldn’t be any issues. Your parents address will be sufficient for them to verify your residency in the EU or EEA. Perhaps in the future they will start asking for more detailed address proof (e.g. utility bill with your name), however right now it’s fairly easy. Perhaps they’re turning a blind eye to this workaround to grow more users, who knows.
Afterwards, you should be able to use the N26 account without any issues in Europe and abroad. I haven’t heard of anyone having their account closed for being a non-resident of Europe.
Majority of the accounts closures I’ve read about online have been related to some kind of suspicious activity (e.g. cryptocurrencies, money laundering). So if you use the account for normal spending and don’t do large suspicious transfers and transactions, it should work fine.
I would also suggest signing up for Transferwise if you get the chance since they offer a handy debit card for EU/EEA residents. Transferwise is also easy to sign up for and the card delivery to your parents address is sufficient for address verification. However, if you already have a Transferwise account and wish to change your address, they will require detailed address proof.
Cheers