What would make Monzo the perfect banking experience?

I think a few things for me.

Cashback, both on bills and on purchases, the latter offers that actually change and rotate.

Budget and summary actually merging into one and a slowdown of features. Only putting them in when they’re actually finished.

Oh and metal cards as an optional purchase, I would love that option. I miss mine.

EDIT: I forgot about pan device support. A proper iPad app and ability to login into both at the same time

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