I’m also with Nationwide - I feel some loyalty to them. I think they’re pretty good on ethics and their tech (website, app, etc) isn’t too bad.
I moved everything to Monzo quite a while ago - but then reversed out after an issue with direct debits that were set to come out on the same day as I was paid (they were rejected - this was before overdrafts were available too). This isn’t an issue anymore as I have an overdraft (and I believe it is being or has been fixed anyway).
I couldn’t care less about interest rates and such as unless you’re loaded they mean nothing on a current account.
So… I’m now once more considering moving my wages to Monzo, for a second try. The only thing I’m concerned about now is lack of 3DS. Although I’m not sure how much of a problem that would be in reality.
I also wish Monzo would just go all-in on every payment option - Google, Apple, Fitbit, Samsung, Garmin - I think every bank should be offering every option. It’s one thing that Starling has got very right.
I’ve just started a switch from my TSB account that hasn’t been used in ages, I deleted all my recipients, it had no payments and only has 1p in it - in order to close that and I’m mulling over a partial switch from my Nationwide main account.
One huge niggle is - what will Monzo be like when they make it mainstream?