I feel there a lot of N26 using europeans who go on holiday a few months or weeks a year, who are angered by my post. They then project their own circumstances onto those of the digital nomad. “Hey, you just didn’t read the TOS!”. Which is a false starter, as the post explains, which the reader would have understood, if they were able to empathise with a digital nomad, N26 Black's target market, and not just themselves.
The address you cannot change is the mailing address. They do allow you to update residency and citzenship via the app and website. The post includes screenshots of this. Plus I contacted their support several times to inform them of my travels, and to see how I could workaround the mailing address issue with them! Hence how I was able to get my card in the first place. All of this explained in the article, which your posts have missed entirely.
The TOS of the insurance only states country of residence. Which my country of residence is not Germany. All of which highlighted in the article, which your post must have missed entirely. Plus, the article quotes the TOS so I fail to comprehend the whole “you didn’t read the TOS” argument.
Still none of this matters to the overall point of the article! That they are selling a service marketed for digital nomads, which does not meet its claims for digital nomads – a market which lives more than 3 months at a time outside Germany. Hence why N26 Black is a scam.
If you use N26, and are a German resident, and do not leave Germany no more than 3 months at a time, and purchase not a single ticket for any tram, train, boat, car, motorbike, scooter, ferry, plane, bus, coach, taxi, with anything but your N26 card (as every single leg of your journey must be purchased via your N26 card), then I am glad that you are not affected by such deceitful limitations, but please don’t confuse yourself with someone who exercises N26 Black’s claimed benefits, which their pronounced target market will run up against, which is that of digital nomads, globe trotters, and world citizens, as you are not, as those markets by definition cannot meet such limitations. The funny thing about their service, as they claim one thing, take your money for it, have a TOS that is actually okay with it, but then when it comes to insurance claims, what they practice is at odds with all the rest. Hence why my account was issued, remained active, and serviced, and billed, the entire time, and through all my support requests with them informing them of my travels.
Their target market of digital nomads, globe trotters, and world citizens, are better served by alternatives, which actually provide the benefits N26 Black claims, with none of the deceitful limitations, and offer superior services and benefits. If you can make N26 Black work for you, fine, but don’t pretend that you’re their target market, nor pretend that their marketed claims live up to reality, nor pretend that there aren’t better more honourable alternatives out there for their target market.