Had a search and was surprised nobody’s discussed this yet.
It seems its main feature is carbon tracking of each transaction. It seems like it would be trivial for competitors to implement something very similar.
Perhaps carbon offsetting could be implemented into Monzo in a similar way to charity pots.
Some thoughts on it from a few weeks ago:
Didn’t garner much interest 
It does have some nice concepts though.
Production of cash causes more carbon than a debit/credit transaction (not to mention the animal products used in the new plastic notes) so I feel I’m doing enough in this respect already by simply not using cash.
Also one of the security features listed is literally this:
- Close your account at any time
