Your card’s chip will not work randomly so make sure you have another card on hand when you’re at a register. If you want to dispute a transaction or something’s wrong with a transaction (even if it’s just ONE) they have to cancel your card and send you a new one EVERY TIME. What kind of banking system is this where you have to cancel a card every time there’s something wrong? You’re not going to get far if you’re trying to compete with big banks where you can dispute / deal with a single a transaction effortlessly. They canceled and stated they were resending me a card when I had not agreed to it (if they would have stated the policy first I would have said no as the disputed transaction amount was not work waiting a WEEK during a Pandemic to be able to access MY MONEY. Oh yeah while your card is being sent to you, you will not have any access to your money until you get your new card and activate it. BTW since they like to automatically do things without confirming with the customer first they sent my card to the WRONG ADDRESS (I relocated from New York to another state because of the pandemic) When you transfer money over from one “square”/savings to your main account it lags, so don’t need to be able used immediately after. This bank isn’t supported in so many aspects, there’s multiple online retailers where my card is declined because it’s not supported. The card is pretty and it’s a mobile app. Those are your only benefits. Update: As of 6/26/2020 Before the above problem occurred I had already signed up for direct deposit to get my unemployment and didn’t want to disrupt the process and have my payment be delayed 14 to 21 days by changing the bank account. Now after getting me unemployment to this account for the past 2 MONTHS, N26 marked it as fraud and returned the transaction. THEN told me they can’t do anything about it and to call the originator (they want me to call an OVERWHELMED NEW YORK CITY DEPARTMENT OF LABOR IN THE MIDDLE OF A PANDEMIC BE CAUSE OF A MISTAKE THEY MADE). I should’ve taken the blow and closed this account when I could have. Now I have returns and other things being deposited into this account (that they ALSO HAVE NOT GIVEN ME) I order to close it. Ridiculous.