Like every German stuff, they are blindly stick to procedures, like simple machines: if someday you need something 1mm out of their std procedures... be ready, they will lock out, freak out and the N26 will became stone age German bank. I am right now having better experience with digitals from America where you can reach people that evaluate your situation, maybe charge more but at least they solve your problem. Digital is good, digital with humans when needed is even better.