Here’s the latest 
Tom Blomfield told CNBC that Monzo is in the “very, very early stages” of discussions with US regulators.
"I think there’s a huge market opportunity there, because there haven’t really been any new banks in the last 10 years or so”, he said.
Judging by this & Tom sharing that his attention’s on the US at various talks, I think it’s pretty safe to bet that Monzo will expand to the US before Europe 
although the crowdfunding deck did say that -