Paul McGrath


N26 and user/customer experience

That cool N26 see-through card and app
That cool N26 see-through card and app

I wouldn’t normally do reviews of services, but I felt pretty compelled lately to write a few words about N26.

I signed up roughly a year ago, and used it every once and a while, finding it difficult to break away from the fairly entrenched services of the Irish banking system. Then, shortly after watching Pat Kua deliver his talk at Craft Conf, I read that he’d become N26’s new CTO.

A Berlin-based FinTech startup attracting executive talent isn’t new, but it’s also home to a very active accessibility advocate called Hugo Giraudel, whose writing I’ve followed for some time. Additionally, they’re been quite vocal about their developer culture through Getting Stuff Done Days (GSDD), and as these topics resonate with me, I started to pay a lot more attention.

Shortly afterwards the N26 app and card became my daily-driver, and I was amazed with what an incredible service they’ve developed.

Some highlights that I find invaluable:

There are of course, a bunch of other benefits, and even a black option if you want to go premium.

So, besides all that, what makes this so good?

Well, it’s their almost crazy focus on User-Experience(UX) and Customer Experience (CX). The service feels polished; like a serious amount of work has gone into making this a viable contender to the incumbents.

This is the kind of service that you want to tell your friends about, because it’ll actually be an improvement to their day-to-day activities.

Of course, they’re small and new and nimble: why wouldn’t they be able to innovate in these areas, right? Well, yes you expect it of a startup, but once you experience Stripe or N26, it makes going back to using PayPal or your bank’s service extremely difficult, as they’re so well established that they just don’t care anymore.

So really, this is a disruption I can absolutely get behind. More power to them, and I hope others vote as much with their feet as well as their wallets.