I am loving being a Monzo customer - as soon as joint accounts come in then the move will hopefully be to go full Monzo. I have a confession though - I also have a Starling account (joint also) as I have been watching both companies to see where to move to. I think Monzo has the right attitude with transparency and a clear drive for a feature-rich banking service, they have a prettier card too (very important) and I like the fact that everything is shared online… however, IMO, the Android app is well behind Starling from a UX/UI perspective. It feels cookie cut and almost like a beta app at the moment - it works, but just doesn’t lend itself to a great user experience. Are there plans for an overhaul at any point? The starling app seems to flow much better and it looks and feels like a modern Android app. At the moment, despite my love for Monzo, the app feels like something I would make… just some honest feedback.