I am an overseas student and I’ve been using Monzo for last two years. Now I am probably moving back to my country (Czech Republic) and the thing that hurts me the most above all is that I can’t have Monzo over there! All the banks in Czechia are awful, with awful design and they have rubbish apps! I wish there was a posibility to use your bank in different currencies in different countries! Please expand and create something like transferwise did with their account offer. People would love you for it!