There are several concerning things including:
Monzo’s working capital has become low enough that they need to raise more investment.
having to go for a govt scheme means it’s existing investors are not willing to back it with more money at the moment.
it appears firms will need to pay a minimum of 8% on the money borrowed (quite high and difficult to see how Monzo will make money on this) and that the govt will then get shares at 20% discount next time it issues shares
this is the start of the twitter … Monzo as far as i know are out of the A and B startup funding rounds
flippen heck there’s nowt better than a bit of a conspiracy thread to suggest things based on the Monzo icon being on the front of " Future Fund" that Monzo are applying for the fund for start ups because … a / b / c , put your theory here 
Tom is actually giving advice and advertising the Future Fund on twitter to small startups through some of his followers that have small startups , because he and the founders have some experience with small startups so have a lot of followers wishing to emulate their success from small start ups … lol but the Monzo icon on the front of the Future Fund release picture from the Chancellor must mean… Monzo are applying …OK
The idea that you can have a favourite artisanal flour mill. Like there are several, but that one is just the best in your eyes. 
Talk about a different world.
Googled ‘artisanal flour’.
The first result included the sentence:
if you are going to make artisan bread then a great place to start is with artisan flour
I had to laugh.
Still. Part of me wishes that everyone had a favourite artisan flour they just had to have. Maybe then there’d be some more of the normal stuff in the supermarket for me. (Also, yeast. Still can’t buy any for love or money round here.)
Your research wasn’t very thorough - sourdough doesn’t use yeast.
that may explain some of the things that get stuck in your teeth from Toms bread
At the bottom of an article about companies to avoid because of their response to the Covid-19 pandemic, Monzo is the only company called out at the end as a positive example of how companies can respond 
It would be remiss not to mention that there have been many companies who have responded in positive ways as well. At Monzo, for example, senior management and the board have volunteered to take a 25% salary cut and the CEO has announced that he won’t take a salary at all for the next 12 months.
That article is mostly bullshit. I’ve just read through it and they’re just slamming everyone and everything they can.
The part about Monzo is fair enough. Is Monzo not furloughing any workers? I hadn’t realised.
Yes they are, but volunteers only I believe.
This is also my understanding.
Furloughing employees shouldn’t be considered a negative - demand in so many businesses has collapsed virtually overnight and without furloughing we’d potentially be looking at massive redundancies instead.
What’s more interesting to me is large, profitable companies that are refusing to pay the 20% of their employees salaries not covered by the government.
I’m surprised they didn’t single out Admiral Insurance for some praise. They are giving £25 back to their car and van insurance customers; presumably hoping to reap the rewards at renewal time.
So does this mean initial tests/results have gone well in the US?
The number of 
sign-ups has definately slowed, but overall is still increasing;
https://bankstats.joecarter.xyz/d/000000001/monzo-current-acc?refresh=5m&orgId=1
Hardly unexpected at this point in time.
With no incentives either to switch to Monzo, that’s excellent work!
