Just to let you know it’s £25k that’s the threshold & im on just under £24k.
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Good cash flow there.
Is buying a house/flat something you’d want to do or something that’s practical in your area?
If so, I’d max out my LISA allowance to get free money from the government to go towards house buying.
1.15% interest seems a bit pedestrian for someone with their whole life ahead of them. Do you have any interest in investing? The average returns for shares over 100 years are something like 5-8% if I remember correctly.
If yes to both of those then I’d recommend a stocks and shares LISA from AJ Bell! 
(Not a financial advisor, not related to aj Bell, dyor etc!)
Yes I am planning on buying - I have to get my LISA sorted but it is opened - I’m planning on moving the Monzo money into the LISA but it’s been a pain getting the online details to make sure it’s all going in!