Then please tell me why they took my money and provided me a service, despite them knowing I am not a resident of germany and have never been. They should not market me a service, sell me a service, provide me a service, take my money for the service, all knowingly of my situation, if they do not intend to uphold it for me. It is exploitive. Especially when once again, their entire pitch of N26 Black is to digital nomads, people who by their nature and by the name itself reside worldwide. You seem to forget who they are marketing this to. So what if they attempt to excuse themselves out of their marketing with disingenuous behaviour, it is not okay, and makes it a scam. Their marketing, their behaviour, and their intentions, should all be in accordance with each other! For them to not be in accordance is to scam their marketed audience and their customers.