Just a few further thoughts:
If you go through my post history you may notice that I’m actually quite critical of Monzo in many aspects. I cannot really see myself ever using Monzo because I want cashback from my bank, and like the flexibility (and cashback) my credit card offers me.
There was a time when I was really frustrated by the reaction to much of the very valid feedback here. It often seemed to be like “yeah, cool idea. Maybe one day…”
But their recent few Blog posts show, that they seem to have taken a lot of it on board. Even joint accounts, where the ceo had only recently said that they didn’t really want to do them at all,are now in reach.
I think this may be positive: they are not adopting every suggestion, and every piece of feedback immediately. And you wouldn’t want that: that would be a directionless company that never reaches anything. One of the hardest things is often to say no to suggestions. Not because they are bad, but because they don’t fit into your current business perspective.
On the other hand, they do take feedback into account, and their u turn on joint accounts is a striking example of that.
So, as @anon44204028 said, stick around. Ignore the fanboys who can’t see anything ever wrong with Monzo (you’ll find those on every product forum). And altogether its quite enjoyable