Hi everyone
I’m Rob, community manager over at dozens, to answer the questions raised. 
Really happy to hear you like our budgeting feature 
We have been pretty quiet about launch plans but may as well let you guys know - we are about to go live on both App Store and Google Play in the coming days 
Since you ask, as a sneak peak of what sits behind these mockups: in the past 6 months we have built an 800-screen native app plus our own balance and orchestration layer. We have received two FCA licenses - meaning we can offer current account and investment products in one app from day one - and listed a retail bond on NEX stock exchange (which means our proprietary savings product is subject to higher regulatory requirements but requires no long-term lock-ins for our customers).
We’ve also started printing those eye-catching cards, so we are live with the app for employees, testing with our own Christmas shopping to make sure everything is 
before we do a public launch. Meanwhile, our waitlist is approaching 2,000 members - 300 of which are our own co-creation community from all over the UK (obviously not a patch yet on Monzo numbers, but we are pretty buzzed nonetheless).
To thank all the early-birds who trusted in us even before launch, we’ll be offering £10 to everyone on our waitlist who opens an account with us.
If you’d like to know more, join our community to take part in the conversation where we can share more details. We’re generally not into shouting too much about ourselves, but if you seek out our social channels, we’ve shared some ‘challenging’ topics that the team created. Hope you enjoy them.
Wishing everyone a great Christmas 
and prosperous 2019