I guess N26 aren’t strictly a competitor because of this but obviously Monzo is planning international expansion & at that point, they will be.
When it comes to their benefits, Tom’s said that as a business, N26 are about a year ahead.
But at this point, I think it’s a bit too early to do a proper comparison. 300,000 customers isn’t a lot, in the grand scheme of things & Tom’s also said that Monzo need at least 1m before they can be considered a significant player in just the UK market.
It’s also worth remembering that once Monzo has their full banking license & launches the current accounts, they’ll be able to provide a much wider variety of products / features.
So it’s still very early days.