I agree I’ve been using N26 for a year now and I really like the app. Even if I have been overcharged when making payments or sometimes double payments N26 always refunds me and charge me correctly. Honestly I use it as my main Mastercard and I use it a lot abroad. It cannot beat other banks with transaction cost and currency exchange. I also got Mastercard from Transferwise which basically the same and also have a Neat card which from Hong Kong well at first it seems N26 and NEAT are exactly the same but clearly there is something wrong with NEAT and they are not so trustable as N26 which has been approved by the Germany Banking association.