N26
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The "it just works" bank.
You'd be inclined to think that "neobanks" are all about newfangled features and stuff that's never been there. But as a customer of many different banks over the years, what I love about N26 is something else: It just works. I know exactly what's going on in my account. I know what's coming up, what I've just paid and what's left. I can trust my transfers arrive in a blink, every single time and that I'll know in the moment if anything goes wrong. I can be sure the app just works, there are never any surprises or hidden fees, and no matter when or where, i can trust my card to work. If a merchant charged me, I know that the amount is correct, instantly, not after the weekend. If I get a transfer I know instantly, not tomorrow. And in the very few times I've needed help, i got it rightaway. I wish I could say that about any of my other banks.