I don’t think anything has changed - It’s been there a while.
My concern for N26 would be how quick and agile they are once they hit the UK.
It’s been a bit of a shambles to get here so far!
Still looking forward to trying them, but I think people will be disappointed by the updates if they are used to banks like Monzo smashing out regular features etc.
From what I’ve seen so far, I see N26 as robust and reliable, moving at a fair, if unexciting, pace.
I used to think that Starling and Monzo has the UK fintech market captured, but N26 could definitely take the more conservative / traditional end of the market, with packaged accounts, web access etc. If I were Starling I’d be very worried. And some decent competition for Monzo would also be interesting…
I think this is bang on the money.
Until Monzo, I’m sure most people didn’t care about any new update from their banking app!
“Ohhhhh HSBC just dropped a killer new update…” Doesn’t have quote the same ring to it 
If N26 can launch with feature parity to the current challengers, and perhaps even go above and beyond in some areas - I think the’ll do very well.
Ohh oops! My bad
I get the sentiment, but I think it’s a bit of a red herring. What I don’t want are cookie cutter fintechs, locked into a “me too” race. I want minimum viable banking facilities across the board, but with differentiated approaches, based around different sets of users. That feels, as a consumer, a good outcome.
That said, it’d be cool if competition helped Monzo to stay alert and ahead of the competition.
(My reading is that Monzo is ahead in lots of areas and N26 in others. Need to wait and experience it myself, though).
I have a similar feeling that Monzo are a bit more feature rich than N26, but on the other hand, I think N26 do have the resources to be put a lot of things in place quickly.
From reading various things online, I see them as the almost half way house between traditional high street banking and Monzo/Starling.
I haven’t looked into N26 that much at all, so you will be far better placed to make that call.
What do you think the differences are (same question to contestant number 2 please - @anon61087081).
There seems to be a lot of people who still do all of their spending on credit cards (which negates a lot of Monzos features) - Myself included.
For people like me, payee management, general speed of the app, and organisation/management of direct debits/standing orders becomes far more important than things like summary, coin jar and other things which rely on you using the bank as your spending account.
The n26 app is OK, but i think they will struggle with the, how shall I put it, germanic customer service.
It’s a bit like talking to the headmaster at junior school…
As long as it’s efficient, I don’t mind!
Haven’t used the app myself, so can’t really comment.
Looking online, it looks a lot cleaner (minimal), doesn’t feed in business’s actual logo’s, but rather the category of what it is. They’ve only recently introduced “spaces” (Pots In Monzo terms)
As for Germanic customer service… lot of people UK wise, might not get along with it, but that’s more cultural than anything else,
Not really. I don’t have an account, so I’m going on the basis of what I’ve seen and read online. As I say, I really need to wait to experience it for myself before I can form a proper opinion.
Have a read up online! Always best to go to primary sources if you’re particularly interested. 
If it’s quick and efficient, then i think folk here will get along fine - especially those after a more classic banking experience. I’ve a limited experience of German companies, but those that I do deal with seem efficient. I’m very happy to avoid pleasantries as long as no-one is rude!
Ha, sorry - You sounded like you were speaking from superior knowledge!
I’ll wait and see if they actually launch before delving too deep into it.
With so many delays already, my initial concern is still there.
Despite the short falls of Monzo and Starling - I like they way they respond to things, and I feel they are dynamic enough to make things work.
Yep it’s cultural, but I’m much happier with the way monzo CS interact with me than n26 CS. They both get it done (generally with n26 being slower than monzo).
Could largely be down to the number of customers they have.
Hopefully it’ll improve as they expand into different markets.
Talking to them on twitter DM… “The launch is close, but we’re unable to give you more detailed information 
”
Edit; hedging my bets on the previously rumoured and now deleted 23rd Sept tweet?
Also noticed they said the US and UK are the next markets they’ll expand into.
2 pretty big markets I’d say!
I’ve joined their waiting list.
Yeah, they’ve already got an office in the states, been up and running for a few months from what I can see!
Forced DCC should be charged back…
I’m wondering if N26 will launch with Transferwise integration in the UK. Presumably it will, unless Monzo / N26 have exclusivity for their respective markets? 