We tend to get huge growth spikes with every feature release, and we have a few large new features coming. There’s still a lot of low hanging fruit for us to grab (no pun intended 
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Ultimately we think that some of these things will be revolutionary (things you’ve never done with your primary bank before, like making Monzo your financial control centre), and some of them will be evolutionary (the same thing, but just done way better, like our P2P system - there is clearly nothing new about sending money to a friend, but we removed a lot of the friction).
Basically - there’s a lot wrong with banking that we aim to fix, with the overall aim of making you feel like you’re in control. Which, for so many people, is a new and amazing feeling. That’s what leads to such positive word of mouth, and we already get that based upon being just a fraction of where we want to be and having done a small amount of the things we want to do.
Things like TV adverts, switching bonuses don’t really feel in line with what we do. Obviously, if we felt we were struggling with growth we’d re-evaluate, but as of right now, that’s not the position we’re in.