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I've read that it's not safe to keep money long-term in an EMI, so I was wondering if all of the banks that I could create an account online are EMIs, and my only real option is a bank anyway, transferring money to EMI only when I need to pay for something? What are the risks associated with...

I'm European, however I can't use sofort, ideal and I do not live in Germany (for N26). I'm looking for a simple bank that I would use for simple money transfers between my government-owned bank and this bank, the card for grocery shopping and online purchases from various legit sites with legit...