I am not convinced the offering has really moved on from the prepay Beta days. There are so many fundamental banking features missing:
Statements
Overdrafts
Joint accounts
Interest/switching bribe
CASS
Cheques in
The above has been discussed before. I have been in email contact with Eliot yet still the answers given by Monzo staff seem vague. This is not something unique other banks have policy for this, please consult your legal department and publish the procedure.