I have been using Number26 as my main spending account for a few months now but wouldn&#x27;t use it as my main account. There are a few things that aren&#x27;t implemented yet, such as crediting cheques (I still get one or two a year) or non-SEPA transfers (though to be fair it is very expensive at banks compared to e.g. Transferwise so I wouldn&#x27;t use it either way). The support is overwhelmed at the moment and over Christmas they had technical diffuculties that weren&#x27;t fixed for around a week, presumbly because they had no staff on-call to do so. Also their card doesn&#x27;t have a Girocard function which makes it unusable at some locations in Germany.<p>Unlike other banks they don&#x27;t refund ATM charges. Also, according to internet forum users those tend to be a bit higher compared to other MasterCard cards for some reason. Additionally multiple users reported problems using at card at some South-East Asian POS Locations. But having a backup card is never a bad idea.<p>It&#x27;s very convient that they immediatly deduct money from your account as soon as the charge is authorized (which makes it easier to model in my mind as it works just like real money) compared to traditional cards where it takes a few days. However that also applies to holds (e.g. from hotels). I would advise they have another card for such purposes.<p>Also, I wouldn&#x27;t suggest keeping your money in a currency that you have no connection with simply because of the forex risk.<p>You might also want to take a look at Revolut <a href="https:&#x2F;&#x2F;revolut.com" rel="nofollow">https:&#x2F;&#x2F;revolut.com</a> It&#x27;s not a bank account but a very useful card with very good exchange rates.