I made the full switch about 3 months ago, the stuff that was missing from the Big List were the things that I wanted to see to happen before committing, especially Apple Pay.
I was pretty comfy with having my main account with First Direct, there an excellent bank, but they are also held back a bit by using the legacy systems of HSBC, and little technical things started to happen which made me think twice about staying with them.
I had been using the Pre Paid version of Monzo as an attempt to check my terrible spending habits, and I like it, but no Apple Pay was always going to be the thing that held me back. Once that was sorted, and a few people who I trusted made the move, including salary being paid in, I had the confidence to go #fullmonzo.
So far, very happy, knowing that Monzo is still on a journey, I feel like I’ve got on at the right point, and the only way is up. Whether I can convince my wife to move is another thing, she’s sold by the free switching goodies, so recently went to M&S Bank for some voucher pre Christmas, (she left TSB post IT failure) and even the joint account seems a step to far for her, so we live in a house with 3 different current account providers. Oh well.