Since my last comment, I subscribed to N26 Metal, and I'm really happy with the 4% interest rate. Last month, I received 450 EUR. The example I shared earlier deducted PRSI, but I don't have to pay it because I don't meet the requirements, so I only need to deduct 33%. The interest rate will probably drop next month to around 3.75%, based on the upcoming announcement.
N26 requested bank statements from me, warning that my account could be blocked if I didn't provide them within about two weeks. I had to send the documents twice. First, I sent a statement from Revolut, but it didn't prove the origin of the money because I transferred funds from AIB to N26 through Revolut. So, I also had to send AIB's statement and two payslips. Since the money was from my hard work, everything was fine. I appreciate that N26 is careful to avoid fines.
This process causes alarms for many people who get their accounts blocked, and it was also a concern for me when deciding to go with N26 Metal. I'm glad everything worked out. You'd have to be very unlucky to need to prove your income source and get your account blocked. I don't understand why some people online claim N26 is stealing their money.