Pros
I really enjoyed working at N26 for my time there. The direct team is often great, as well as the direct managers, that are often very talented and with a lot to learn from. Despite the negative sides I would still recommend it as a place to work, given that they fixed the low salaries for the design positions.
Cons
The main issues at N26 are imho from the upper management. The direction of the company is very much top-down and -though they have been trying to change that- the individual teams/segments have not enough ownership to drive the initiatives that they believe would have the most impact. As a result, processes become sluggish, people sometimes become less motivated because to achieve anything you need to go through endless loops. Furthermore the employees have little trust of the leadership team. From my experience, after a while I stop caring on what the leadership was saying and focused on my work and team (which was great). There's no point watching the founders Q&A sessions if all you get out of it is inconclusive, ready-made answers.
