I agree who knows how it will look like in 6 months but till now Monzo’s record is not so great just as an example this what @tom said a year ago
Its still not available 
I can give quite few more examples and I also understand things don’t always go to plan but Monzo are failing to followup on these sort of statements IMO transparent roadmap is also like a moving target 
I still believe Monzo will improve and in few years time I am hoping to see a rock solid product and innovative CA