i have been using Monzo now since August time and i love it.
As there is always room for improvement i thought i could start a thread to highlight these.
For me i feel that there should be PIN access to the App, as at the moment if for some reason i los my card and phone, all people would have to do is top up the card without any credential confirmation.
The second thing i think should be available is the PIN reminder. In a world of contactless it is very easy to not remember. MBNA offer a PIN reminder after asking a couple of security questions, so maybe something similar?