I took the plunge to go #FullMonzo at the beginning of the month. I used CASS and asked HR to move my salary over to close my legacy Lloyds Bank account.
Lloyds made a mess of two direct debits that they failed to pay, but thankfully Lloyds Home Insurance and Severn Trent water were very helpful in getting everything back on track.
No issues so far with Monzo as my only bank account. Monzo does provide me with AndroidPay and contactless which Lloyds refused to give me full stop. It also annoyed me how Lloyds charged crazy amounts for failed direct debits and their customer service is generally crap. Monzo on the other hand are so genuine and helpful.
For me things are getting better all the time, and even direct debits carry more useful information. I love seeing the improvements happen all the time. No other UK bank is likely to admit to their shortcomings quite so openly.
Kudos Monzo. It’s not perfect for sure, but based on my experience with other banks in the past it’s only going to get better and better.