These app-only banks are like Marmite, most either love them or canāt think of anything worse.
Bit harsh 
They donāt actually give a verdict for some reason but this is a pretty good summary of the different challengers (+ Bās 
) offerings.
Kind of crazy to see how much attention they give cheques..
Written by a true lover of Legacy Banking, clearly. 
That Marmite analogy is pretty terrible.
Do people actively hate the idea of app only banks and recoil in disgust? In my experience, itās only ever been a moderate āwell, it sounds like an exciting idea but Iām not sure itās for me because Xā with a couple of people.
Not really.
I took B up on their Ā£250 bribe. Whilst with them I recieved a cheque (grrr) and used their cheque imaging to pay it in. It worked really well.
Iāve since moved to NatWest (because Ā£125 bribe) and following the sale of my car have received two cheque refunds for pro-rats unused parking permit and vehicle excise licence. (Grrr). I had to find a bank branch to pay them in.
Overall itās a fair article. Whether the marmite comment is accurate or not is irrelevant. Personally, I think itās a silly comment. I neither love nor hate Monzo or Starling. Theyāre both interesting banks but they need to do better to challenge legacy banks.
Right so either their audience regard cheques as a key service - which as someone who hasnāt used a cheque in years, blows my mind - or theyāve got the focus wrong & are putting people off the challengers for no real reason. Iām guessing that they know they audience & itās the former. So itās a good thing that Monzo can process cheques 
No. As youāll know from my posts in this community, I donāt like cheques either. Theyāre an antiquated mechanism for moving money. In fact, I think largely the same of cash.
Unfortunately, cheques are still a thing. B handles this well, Monzo and Starling donāt āchallengeā this aspect for [reasons].
(Iāve been unlucky enough to receive three cheques in three months. It was not frictionless. For many people, cheques are more prevalent.)
Just because the article doesnāt trumpet Monzo as the best thing since sliced bread doesnāt make it unreasonable. Well, apart from the marmite comment which was a little silly and inaccurate.
Please donāt - I didnāt say that. I wasnāt trying to imply it either.
And nor did I say you said that.
Aside from that, I thought it was a fair article, useful for someone unfamiliar but not telling you, I or many in this community anything that we didnāt already know.
Letās develop this thread a bit more shall we? 
I havenāt ever had a cheque book, and Iām 27 
whilst not denying some users still do receive cheques in payment - as an important way of receiving funds, and without a legacy current account have a certain degree of friction depositing them in āchallengerā banks, looking over my legacy bank statements, I have deposited two cheques in the last 3 years but was given the option before receiving the cheques from the issuers of an electronic bank transfer , and Ive sent one cheque out in the last 3 years - my cheque book is in the house somewhere 
I still have the same cheque book form when I first opened my bank, the address on it is still for a branch that closed over 10 years ago. Iāve written less than 10 in my life, but I receive many cheques each year. Iām due another Ā£40+ one next month.
I get that theyāre legacy and annoying, but for existing older systems, itās really easy to just leave that computer automatically printing cheques on the bottom of letters than pay thousands of Ā£ for a system overhaul to manage it all digitally.
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