Maybe work on the value and content which was badly lacking. I’ve been rather vocal in that via SM and am glad FINALLY Monzo has listened to feedback from users. It was a no go for me from day 1, poorly implemented imo. Maybe focus on good offering like the WHICH rated Nationwide Flex Plus which indeed is great added value for £13 a month. Good providers, great phone cover, decent travel insurance, full breakdown over inc at home, roadside/onward travel etc. Good interest rate on credit balance. (https://www.which.co.uk/news/2019/09/monzo-plus-packaged-account-scrapped-after-four-months-can-you-get-a-refund/)