@ndrw covers most of my qualms.
I’ve elaborated on my issues many times on other threads which are more suited for discussions on Monzo, so I won’t rehash too much. Essentially it just comes down to the fact that for my use they don’t work well as being both my bank and my spending card, and the half baked features they’ve made to try to make Monzo work better as a bank left me frustrated as a user. I’m also not keen on the interface and the customer support issues of late don’t really help.
The good news is, Monzo recently indicated that they are aware of their pitfalls when it comes to being both a great bank and a great spending card and are trying to improve in that aspect. If they get it right, I’ll give them another go at being my bank. Here’s what Monzo have said they are doing that would make the experience better for me: