As someone who joined Monzo at 17 I must admit it did teach me a lot more about money and stopped me from overspending and convinced me to save. I always had trouble overspending on Lloyd’s because they show your account balance, and then available money and this always confused me into believing that I had more money available to spend than I did. Monzo doesn’t have this and this was one of the main reasons I moved across. Saving was also just way easier on Monzo and I liked the ability to automatically save money.
Very glad I made the change.