I would imagine it applies to 99.99% of non-Monzo users also.
Having the ability to withdraw more than £400 cash if ever required and access to credit are the more common benefits.
Never needed this in my near 36 years alive.
Who’s not doing bank transfers in 2025? Other than tax avoiders 
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I’m not sure that the definition of ‘Full Monzo’ was established.
I’d call YOU Full Monzo.
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I’m glad you mentioned bank transfers because that’s another significant pain point which is mitigated by operating multiple accounts.
Unfortunately, Monzo enforces very strict and inflexible bank transfer limits (including transfers between your own personal/joint account) which can make transferring larger sums of money a frustrating experience.
Strangely and annoyingly they don’t even offer the ability to increase these limits to customers on their premium plans.
I’m moaning a lot here but I’ve been with Monzo since 2017, love the service and expect them to exceed the very high bar they’ve consistently managed to set.
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What frequent sums would incur such inconvenience on a daily basis?
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That’s an interesting assumption as I made no mention of it being a daily occurrence. But just for my understanding, does an inconvenience only count if it happens every day?
Plenty of people receive bonuses, dividends, or other lump sums quarterly or intermittently and want to move them quickly and frictionlessly, without having to jump through hoops like taking a picture of them with their driving licence and waiting for Monzo’s approval.
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Your comment made it sound like it was too frequent a barrier to be “full monzo” but now sounds like it isn’t frequent.
The limit increase flow is proven to be seamless.
Each to their own.
You’ve completely misunderstood. I used it as an example of a pain point which can be mitigated by having multiple accounts, e.g. you could leave £1000 in a Chase account and use it to make transfers if you exhaust your Monzo limit in one of the above examples I gave.
My point is simply that given it’s completely free to operate multiple accounts and there are various benefits to doing so, why wouldn’t you?
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Not sure you’ve labelled any actual benefits yet, only a display in lack of patience.
People with bills and salary into monzo (full monzo as it makes their life easier), their employer isn’t going to mess around paying a bonus into their HSBC cuz it’s easier to throw around however much Monzo can’t move in two seconds (in some instances).
Bills and salary = full monzo IMO.
Savings etc I don’t include as it’s common to have those on external platforms for better rates than most banks.
Apologies if I’ve missed your actual point, maybe your example was poor, but again, each to their own how simple or complex they like their finances.
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I understand why the limits are there.
It’s not a frequent requirement but there have been occasions where I have wanted to make a transfer quickly and the process has not been smooth (on one occasion this resulted in financial loss).
Other banks offer higher limits, either automatically or upon request, and I would like Monzo to offer an equivalent service.
I could wax lyrical about many of Monzo’s products and features but equally I can point out where they fall short, such as here.
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They do. Just slow at times.
Forgive my lack of patience when I explicitly mentioned three benefits (FSCS protections, access to credit, and cash withdrawals) in my initial post. I subsequently highlighted bank transfer limit issue mitigation.
That you may not consider these to be benefits is neither here nor there. Are you willing to concede that some people might consider these things useful?
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Probably 0.01% of full monzo customers might find FSCS a problem as highlighted above.
Credit isn’t always sourced through the same company you bank with, look at Amex.
Cash withdrawals potentially, but that was my dig at tax avoidance because there’s really no need for such high value.
There’s a huge difference to full Monzo and I use Monzo and nobody else
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Given our propensity for messing around with different banks I doubt anyone on here is the latter!
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I think we’re talking at cross purposes. The opening post on this “Full Monzo” thread explicitly states:
I use Monzo extensively but I also use numerous other banks for credit cards, loans, and deposit/ savings accounts.
By this definition I am not “Full Monzo” and I don’t understand why anyone would be.
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Not sure how @npc_06 would cope without the choice.
I’d probably be happier if there was less competition but here we are 
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Correct - I have multiple accounts but I was curious to who was “all in” and nowhere else, so kudos.
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My job informs me many run on a single account with nothing elsewhere. These people generally don’t have money to be concerned with credit or FSCS for sure.
Probably the most common is Santander.
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Perhaps you hadn’t noticed but this is a thread about where people bank and obtain credit.
Good for them. It’s not my place to tell people how to manage their finances, however I’m entitled to point out the benefits of something that’s free and potentially useful.
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