Credit Karma does it for free because they can try and upsell credit cards and loans and they have obligations with GDPR and data access… its not free for 3rd party companies to integrate… how people dont understand this…
On a side point I think its pretty crazy EVERY new thing people start moaning that it will be pay walled or “how much would you pay” crap… its crazy people leap that everything will have a charge when a few features monzo provides are behind a paid tier.
When I run my legacy bank app I get a notification to remortgage and credit card offers on the homepage trying to upsell me where as monzo is far far better.