iOS and Android have many UI differences, I know Monzo is already working towards getting the feature set the same but in my opinion the UI should look and work more or less the same between platforms.
I believe each have their own design requirements when you release an app for that platform; I used to work for an App Developer and they were aiming to get them as close as possible but their are sometimes requirements from the OS manufacturers design brief that stop this from being feasible.
My point isn’t that they look different. That is fine. Each app should look different. But take the phone app. On both iOS and Android the numbers are in the same order. On monzo the balance is at the top on iOS but a little further down on Android.
Mr Chip is present on the iOS payments page but not in Android??
As far as I can see there is no technical reason for these inconsistencies
Design guidelines often dictate the placement of UI elements as well as how they look. Google’s Material Design guidelines are particularly opinionated (which many of us who appreciate cohesive ecosystems would agree is a great thing). It’s very possible the placing of these elements is different to satisfy one or both of the set of guidelines.