Yes, I know. I had the subscription for two full years. When it auto-renewed for the third year, I decided to cancel it, within the two weeks cooling off period

Yes, I know. I had the subscription for two full years. When it auto-renewed for the third year, I decided to cancel it, within the two weeks cooling off period required by EU law. The terms and conditions provided by the company can say what they like, but they are not allowed to invalidate EU consumer protection laws. In any case, the main issue was that N26 support escalated this in an extremely aggressive manner. I was talking to them politely. I actually said something along the lines of "I believe, under this EU law, that I'm entitled to cancel the auto-renewed subscription. Isn't that correct?". Their response: boom, debt collection agency. Completely uncalled-for and turned this previously happy customer into someone who hates their company.