Payments take very long to be processed, more than 2 working days. N26 also charges you €2 every time you withdraw cash from an ATM in the Netherlands. Also they do not support Google Pay/Apple Pay for the Maestro card so you always have to take your card with you. Basically at N26 you don't pay anything per month but you pay for every service you use which would be free at another commercial financial BANK and they miss a lot of basic features. 👎🏽