The Big Monzo Community Census 2025

Inspired by the financial set-up topic, and a few other conversations on the forum, I thought it would be nice to do a quick poll to take the community’s temperature, find out more about us as a group, and to see how folks are financing (definitely correct use of that word)!

Because kinda personal, all answers are anonymous, and none of them required!

Quick edit to say: not a Monzo endorsed poll - just a bit of community fun!


Who’s your main current account with?
Use your own definition, but typically the one you have your salary paid into and/or direct debts and bills paid from.

  • AIB Group
  • Bank of Ireland
  • Bank of Scotland
  • Barclays
  • Chase
  • Clydesdale
  • Co-operative
  • Coventry Building Society
  • Danske
  • First Direct
  • Halifax
  • Handlesbanken
  • HSBC
  • Kroo
  • Lloyds Bank
  • Metro Bank
  • Monzo
  • Nationwide
  • NatWest
  • RBS
  • Revolut
  • Santander
  • Starling Bank
  • Tesco Bank
  • Triodos Bank
  • TSB
  • Ulster Bank
  • Virgin Money (inc Clydesdale and Yorkshire Bank)
  • Zopa
  • Someone else (tell us who below)
0 voters

How many current accounts do you have in total?

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8+
0 voters

Which institutions have you got current accounts with right now?

  • AIB Group (UK) p.l.c.
  • Bank Of Ireland
  • Bank of Scotland
  • Barclays
  • Chase
  • Clydesdale
  • Co-operative
  • Coventry Building Society
  • Danske
  • First Direct
  • Halifax
  • Handlesbanken
  • HSBC
  • Kroo
  • Lloyds Bank
  • Metro Bank
  • Monzo
  • Nationwide
  • NatWest
  • RBS
  • Revolut
  • Santander
  • Starling Bank
  • Tesco Bank
  • Triodos Bank
  • TSB
  • Ulster Bank
  • Virgin Money (inc Clydesdale and Yorkshire Bank)
  • Zopa
  • Someone else (tell us who below)
0 voters

How many credit cards do you have in total?

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8+
0 voters

What is your total credit limit across all your credit cards?

  • Less than £1,000
  • £1,000 - £4,999
  • £5,000 - £9,999
  • £10,000 - £19,999
  • £20,000 - £49,999
  • £50,000 or more
  • I don’t know my total credit limit
  • I don’t have any credit cards
0 voters

Who provides your credit card(s)?

  • American Express
  • Aqua
  • Asda Money
  • Bank of Scotland
  • Barclaycard
  • Bip
  • Black Diamond
  • Capital One
  • Chrome
  • Clydesdale Bank
  • The Co-operative Bank
  • Creation
  • Danske Bank
  • First Direct
  • Fluid
  • Halifax
  • HSBC
  • Jaja
  • John Lewis Financial Services
  • Lloyds Bank
  • M&S Bank
  • MBNA
  • Metro Bank
  • Monzo
  • Nationwide Building Society
  • NatWest
  • NewDay
  • Royal Bank of Scotland
  • Sainsbury’s Bank
  • Santander
  • Starling Bank
  • Tesco Bank
  • TSB
  • Ulster Bank
  • Vanquis Bank
  • Virgin Money
  • Yorkshire Bank
  • Zopa
  • Other (tell us below)
0 voters

Who is your main or principal credit card provider?
Use your own definition, but typically the one you use most frequently and/or spend the most on.

  • American Express
  • Aqua
  • Asda Money
  • Bank of Scotland
  • Barclaycard
  • Bip
  • Black Diamond
  • Capital One
  • Chrome
  • Clydesdale Bank
  • The Co-operative Bank
  • Creation
  • Danske Bank
  • First Direct
  • Fluid
  • Halifax
  • HSBC
  • Jaja
  • John Lewis Financial Services
  • Lloyds Bank
  • M&S Bank
  • MBNA
  • Metro Bank
  • Monzo
  • Nationwide Building Society
  • NatWest
  • NewDay
  • Royal Bank of Scotland
  • Sainsbury’s Bank
  • Santander
  • Starling Bank
  • Tesco Bank
  • TSB
  • Ulster Bank
  • Vanquis Bank
  • Virgin Money
  • Yorkshire Bank
  • Zopa
  • Other (tell us below)
0 voters

What do you use credit card(s) for?

  • Everyday spending
  • Section 75 protection
  • Large purchases, paid off over time incurring interest
  • 0% purchases
  • 0% balance transfers
  • Stoozing
0 voters

How many savings accounts do you have?

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11+
0 voters

What (non-ISA) savings accounts do you have?

  • Easy access savings (money available instantly/next day)
  • Notice savings account(s)
  • Fixed term savings accounts(s)
  • Regular saver(s)
  • No-interest places to put money aside (e.g. Pots or Spaces)
  • Premium Bonds
  • Another form of savings (like an interest bearing penny challenge or something else not listed here)
0 voters

Who provides your non-ISA savings accounts?

  • Al Rayan Bank
  • Aldermore Bank
  • Allica Bank
  • Atom Bank
  • Barclays
  • Cahoot
  • Castle Trust Bank
  • Chase
  • Co-operative Bank
  • Coventry Building Society
  • Cumberland Building Society
  • Cynergy Bank
  • Danske Bank
  • First Direct
  • Halifax
  • Hodge Bank
  • HSBC
  • JN Bank
  • Kent Reliance
  • Leeds Building Society
  • Lloyds Bank
  • M&S Bank
  • Marcus by Goldman Sachs
  • Metro Bank
  • Monument Bank
  • Moneybox
  • Monzo
  • National Savings and Investments (NS&I)
  • Nationwide Building Society
  • NatWest
  • Oxbury Bank
  • Paragon Bank
  • Post Office Money
  • Principality Building Society
  • Prosper
  • Royal Bank of Scotland
  • Saffron Building Society
  • Santander
  • Secure Trust Bank
  • Shawbrook Bank
  • Sidekick Money
  • Skipton Building Society
  • SmartSave
  • Starling Bank
  • Tandem Bank
  • Tesco Bank
  • TSB
  • Ulster Bank
  • Vanquis Bank
  • Vernon Building Society
  • Virgin Money
  • Yorkshire Building Society
  • Zopa
0 voters

What type of ISA cash savings accounts do you have?

  • Easy access cash ISA
  • Fixed term cash ISA
  • Notice cash ISA
  • Lifetime cash ISA
  • Another form of cash ISA (please tell us what below!)
0 voters

Who provides your ISA cash savings accounts?

  • Al Rayan Bank
  • Aldermore Bank
  • Allica Bank
  • Atom Bank
  • Barclays
  • Cahoot
  • Castle Trust Bank
  • Chase
  • Co-operative Bank
  • Coventry Building Society
  • Cumberland Building Society
  • Cynergy Bank
  • Danske Bank
  • First Direct
  • Halifax
  • Hodge Bank
  • HSBC
  • JN Bank
  • Kent Reliance
  • Leeds Building Society
  • Lloyds Bank
  • M&S Bank
  • Marcus by Goldman Sachs
  • Metro Bank
  • Monument Bank
  • Moneybox
  • Monzo
  • National Savings and Investments (NS&I)
  • Nationwide Building Society
  • NatWest
  • Oxbury Bank
  • Paragon Bank
  • Post Office Money
  • Principality Building Society
  • Prosper
  • Royal Bank of Scotland
  • Saffron Building Society
  • Santander
  • Secure Trust Bank
  • Shawbrook Bank
  • Sidekick Money
  • Skipton Building Society
  • SmartSave
  • Starling Bank
  • Tandem Bank
  • Tesco Bank
  • TSB
  • Ulster Bank
  • Vanquis Bank
  • Vernon Building Society
  • Virgin Money
  • Yorkshire Building Society
  • Zopa
0 voters
  • My cash ISA is with T212 and @Peter_G didn’t totally forget it from the options above
  • My cash ISA isn’t with T212 and I’m having to tick this so it doesn’t mess up the stats
0 voters

(I didn’t realise this would be this epic, nearly there…)


Okay, Investments! What investments do you have?

  • Stocks and shares (inc ETFs)
  • Stocks and shares ISA (inc ETFs)
  • Lifetime ISA (stocks and shares)
  • Crowdfunding
  • (S)EIS funds
  • Monzo shares! (I am/was an employee)
  • Monzo shares! (Crowdfunding)
  • Corporate bonds
  • Commodities (gold etc)
  • P2P (peer-to-peer) lending
  • Angel Investing / Private Equity
  • Other (explain what below - crypto has its own section)
0 voters

What investment platforms do you use?

  • AJ Bell
  • Aviva
  • Barclays Smart Investor
  • Bestinvest
  • Charles Stanley Direct
  • Credo Wealth
  • eToro
  • Evestor
  • Fidelity
  • Freetrade
  • Halifax
  • Hargreaves Lansdown
  • HSBC
  • IG
  • interactive investor
  • InvestEngine
  • iWeb
  • Lloyds Bank
  • Moneyfarm
  • Moneybox
  • Monzo
  • Nutmeg
  • NuWealth (formerly Wombat)
  • Plum
  • Plus500
  • Prosper
  • Robinhood
  • Santander
  • Sidekick Money
  • Trading 212
  • Vanguard
  • Virgin Money
  • Wealthify
  • Wealthsimple
  • Wisealpha
0 voters

Right, we’re nearly done! Just a few optional demographic questions then it’s all over!


How old are you?

  • Under 18
  • 18-24
  • 25-34
  • 35-44
  • 45-54
  • 55-64
  • 65-74
  • 75 and over
0 voters

Where are you based?

  • Channel Islands
  • East Midlands
  • East of England
  • Isle of Man
  • London
  • North East England
  • North West England
  • Northern Ireland
  • Scotland
  • South East England
  • South West England
  • Wales
  • West Midlands
  • Yorkshire and the Humber
  • I’m not in the UK, I’m in Africa
  • I’m not in the UK, I’m in Asia
  • I’m not in the UK, I’m in Oceania
  • I’m not in the UK, I’m in continental Europe
  • I’m not in the UK, I’m in North America
  • I’m not in the UK, I’m in South America
  • I’m not in the UK, I’m somewhere else…
0 voters

What best describes your gender?

  • Woman
  • Man
  • Non-Binary
  • Other
0 voters

Does your gender match the sex you were assigned at birth?

  • Yes
  • No
0 voters

Phew! That was kind of epic…

It’ll be interesting to see where the results come out!

11 Likes

And now I realise all the options I missed and how poorly I polled… :frowning:

7 Likes

Done! Requesting T212 added to the cash ISA providers so I can complete that final section :smiling_face:

2 Likes

Some effort that! Fair play.

6 Likes

I regretted it quite soon :joy:

1 Like

I have way too many savings accounts :joy:

Scroll up and you’ll see my botch job :man_facepalming:

(I can’t change the poll after 5 mins apparently, and even if I did it would nuke all answers :person_facepalming: :person_facepalming: )

1 Like

Okay, who has more than 8 current accounts?!

(I knew I should have upped the max numbers for this audience :joy:)

1 Like

Thankfully not me :joy: nearly that many savings accounts though…

1 Like

Was about to kick off about no Trading 212 option then kept scrolling. :laughing: :+1:

1 Like

No chip for ISA/savings…

Also Chase credit card and savings.

It was interesting to see I kind of fit into the majority of forumites. Other than my choice of main bank where FD seems to be a unpopular one :sweat_smile:

3 Likes

I’ll also be interested to see if the Midlands fills out a bit more as so far it seems London and the north are the main Monzo Community strongholds :rofl:

1 Like

Any other questions folks would have liked to have seen included? Or missing answers?

HSBC
Monzo
Chase
Zopa
Lloyds
Kroo
Nationwide
First direct
Revolut

5 Likes

1 more for East Midlands here :wave:

2 Likes

At least you didn’t forget Atom this time! :face_exhaling:

2 Likes

No option for 0 credit cards. Shame

Great effort / post. Nice way of data farming too :joy:

I didn’t believe it that I had more than 8 current accounts - but I do!

1 Like

No Plum for cash ISA either

2 Likes

Please DM me with ideas on how I can monetise, pls thx

4 Likes