Something is going on in the background - N26 withdraws. Monzo already stripped down the US attack.
US bureaucracy intervention?
I donāt see any sense in looking for conspiracy theories.
N26 overreached itself internationally, including in the UK and US. The Brexit excuse was never believable.
More worrying for them is that Germanyās financial watchdog BaFin banned N26 from taking on more than 50,000 new European customers a month last week until it had put in place āa proper business organisationā and addressed ārisks to the institutionās operational resilienceā.
Fair enough. But, Fact#1: the US bureaucracy is be incredibly protective of outside influence.
Fact#2: Brexit means nothing in this thread.
They now have two people from the German regulator embedded in their operations too.
I think your user handle might require some rework sooner rather than later
You canāt change your name! 
āTomā no more?
So as someone whoās actually had N26ās US product, there just wasnāt enough going for them to justify recommending them to anyone I knew. They tried to call their account a finished product and plastered advertisements all over NYC when it didnāt really do anything more than Monzoās current US product, and in fact did a bit less. For example:
Monzo US: If thereās a limit on pots I havenāt hit it yet
N26 US: 2 āspacesā
Monzo US: Moneypass ATMs in the US, no Monzo-side fees for other ATMs in the US or elsewhere
N26 US: Allpoint ATMs in the US and elsewhere, supposedly (in my experience, Allpoint ATMs in Canada did not work), $2+2% fee for other international ATM withdrawals
Monzo US: Free, unlimited debit card top-ups
N26 US: One free debit card top-up for the life of the account, 3% fee on debit card top-ups after that
Their main upside was that because their partner bank (Axos Bank) didnāt have quite the sameā¦ reputation that Monzoās did, their routing/account number worked at more places. Other than that, they thrust themselves onto the market when they were in no way ready to compete against the local players and Revolut (the biggest foreign challenger ābankā to still be around in the US).