I went full Monzo using CASS from Santander - so all my banking is with Monzo. But I then opened a new current account with Santander just so I have access to some of the features that Monzo don’t provide - cheque paying in (I know you can post them but I work next door to a Santander), paying in cash and international payments. Plus, it’s a backup in case anything ever went wrong - and it’s a spare card I can keep at a hotel when I’m abroad in case I lose my Monzo. And the Santander debit card is VISA.
This; everyone should carry a mastercard and a visa even if it’s in digital form.
I still have my legacy account open but I no longer use it. All Monzo now.
I have my legacy Barclays account still, but only for my Council Tax.
They don’t recognise Monzo bank account details still, so for now it has to stay, but everything else including Salary is Monzo
I used to run 4 different accounts (3 banks). I’m now down to 2. Im keeping the high street bank for the perks (AA, travel insurance etc). my salary is still paid into that and the important bills like mortgage & utilities. I pay myself from that account in to the Monzo account which I use for everything else. I expected I won’t go full Monzo until after the marketplace is released.
I have nationwide account just for cash deposits and cheques but I use my Monzo as my main account for everything else #fullmonzo
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I’m sure I’m boring the regular users when I mention my banking structure yet again but yes, I do still use a legacy account.
My legacy account is my billing account. Pay goes in, bills/direct debits etc go out as well as a standing order sent from my legacy account to my savings account. I then have a fixed amount sent weekly via standing order from my legacy account to Monzo. Monzo is a spending account effectively, supporting my budgeting. Everything has been automated that I don’t need to touch the legacy account. Any spare money is swept into a savings account and if I do have a low balance (which my budgeting is designed never to allow) I will receive a text alerting me.
Until Monzo allows multiple accounts or pot sort codes and account numbers, with direct debits possible from them etc, I doubt I will go full monzo anytime soon. I keep pushing Monzo to go down the route the Dutch bank bunq uses of multiple accounts, but I doubt it will happen.
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Pleased to see many people on here fellow Nationwide members. I’ve had an account with them for fourteen years (two years longer than my current relationship 
). I also have a 5% savings account linked to it (for my holidays) which I’m afraid Monzo can’t match.
However, all of my day to day spending is now on Monzo so I like to think I have the best of both worlds.
I also work at a University so I sometimes see students fishing a coral card out in the shop which I imagine is in addition to their student bank accounts. I even saw a middle aged woman in Waitrose use one once! 
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I think I fall into that bracket, why so surprising?
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If there are only two middle aged women using Monzo in Waitrose, I’ve seen one of you. 
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Like others, I use multiple accounts for the benefits they offer, all automated with DDs and SOs and managed using Emma.
- Salary into one to keep the Premier benefits (preferential interest rates, access to credit, an actual person to email);
- then SO to another as all my credit cards are DD’d to it and it has a mahoosive free overdraft so I don’t have to be too anal about keeping tabs on whether it will go overdrawn or not;
- SO of enough into a cashback current account to keep the benefits but then the money is transferred to Monzo and fed back into the cashback account for individual bills so I can use the analytics.
Emma gives me enough visibility of spend, I get cashback or points on most of my spend through credit cards and bills and some analytics from Monzo.
What would I need to go full monzo?
- Cashback or points on spend
- Good interest rates on savings
- Free overdraft
- A personal banker
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Not a surprise, just not common that’s all!
I appreciate not all people like you are luddites. My partner’s 73 year old dad loves his Monzo card! 
Is Emma a kind of app for Open Banking?
Emma is an account aggregator. It displays transactions and balances for all your accounts, and does various analytics similar to what you get in the Monzo app.
It can access data for a couple of banks (Monzo and Starling) using Open Banking APIs (which means you don’t give it your login details) but for most banks you need to give it your login details.
I’ve only just started using Monzo but I have already got it set so that my salary goes into it from work.
I still have my legacy Nationwide current account, but literally it’s dormant. Nothing in there at the moment.
Me and my wife (who also like me has just joined Monzo) still have our NatWest Joint Account, which effectively we use for all household bills but we get quite a bit of money back on that per month due to the deal we’ve got so for the forseeable future my personal banking will be full Monzo but my joint banking will still be legacy.
I use a legacy bank account too. If it were possible to pay direct debits from a separate Pot and keep the payment transactions on a separate list from the day-to-day spending for which I use my Monzo card at the moment, I’d be a step nearer going Full Monzo.
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Pots is a dead end, I think.
They’ve said they’re working on allowing direct debits to come out of specific pots
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