So far the main thing I like about N26 is the card. It’s a novelty to be able to see the RFID loop as you touch it to a machine.
Everything else… Monzo does the same or better for me.
Need to check my balance to make sure I can cover the payment before using the card? Monzo does this at a touch. N26 has added friction. Initially, password. Then found I could set a pattern, so set the simplest one I could. Still a layer of friction, though - and apparently I’ll have to reset it periodically also.
Spending alerts. Monzo alerts when I use my card are clear and simple. N26 are verbose and, for want of a better word, Germanic. Advantage: Monzo.
Analysis. I can find the spending tab on Monzo easily and see what my spending is like at a glance. While I can equally see what my spending is like at a glance with N26, finding the equivalent page is a bit more difficult; have to go through some not entirely obvious menu options to find ‘Statistics’.
Can’t say I’m blown away by N26 yet. I’ll surely keep the account open, if for no other reason than to avoid the ridiculous 10-year ban. But may be a while yet before I actually find a use case for making use of it instead of Monzo. In theory if there’s something I want to ringfence spending on I could boot the cash over to N26 for that, but in practice I’ve not yet run into any ringfencing that can’t be solved by using Monzo pots.