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@lovethyneighbourasthyself I use ING Netherlands and Sparkasse in Germany. I used to live in both countries. I'm planning on opening an euro account with millennium Poland as well just for convenience sake as I live in Poland.

@candleleigh Right, so it's probably gonna take a while. I work in banking and n26 is horrible. I suggest to use multiple banks in multiple currencies, preferably in more then one country. Also keep money in each of them. I have 2 euro accounts and 3 zloty accounts. 1 euro account for my main...