N26 works the best. I have tried many banks, from Revolut, Bunq to many traditional banks (I have 7+ accounts).
N26 offers very nice desktop experience too. It's not an argument that you need to use your mobile – with EU requirements and MFA thingy going on, there are very few services where you are NOT required to use your phone (none in my experience!).
Revolut couldn't accept my salary, bc it was too much money turnover for them (due to their non-bank regulatory). N26 has super convenient customer support (chat, very fast in my experience!), plus you can deposit money in common stores...Flawless experience so far (1yr now, using for salary and everything – thousands of euros in and out, not a single problem). Revolut wants to be everything, but to me lacks of some seriousness – e.g. customer support sucks big time (in my direct experience), all these ads for crypto and stuff...N26 is like the older brother to Revolut.
I’ve been using N26 for a couple years now, and I agree with almost everything you’ve said except the customer service part - it’ been unbearable slow for me, especially in emergencies. They don’t offer a hotline, for example, so when my credit card data was stolen and money taken from my account I spent 45 minutes in a little chat window in their app waiting for my turn. If you switch to another app, or your phone locks, or you lose your internet connection you lose your place in the queue. In the end they did do a chargeback on the money, it took about 6 weeks though and I had to get in touch with them multiple times.
Again, Revolut is not a bank. I was told that my top-up yearly is 15k EUR – after asking if I can use R account for my salary (all in all I would deposit around 50-80k EUR yearly).
If I would provide documents it would maybe be possible to increase that limit – however, no one ever got back to me, after several requests from my side.
Proud user of Dropbox, lot of people around me using it as well, even received 50gb of storage with my S3. I guess I know what it does, but thinking about Business version - anyone here with any cons? Especially in terms of sharing stuff in/out of the company?
Why would you be a proud user? User perhaps, but proud of using such a service?
I am an ashamed user of Dropbox still (see drop-dropbox someone posted below), because of inertia.
I know that that there is a high probability any three letter agency can access my unencrypted (and probably encrypted) data at Dropbox, but I suppose it is no worse than at Google Drive
It's either app, or users are the product. When I was in Hong Kong recently, listening to talks about WhatsApp & Facebook, each person using these services was worth +- $48. Sub. fee? Anything like that.
