Is it your main bank and is the fact it’s online and modern affect your decision?
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It’s online and modern. That affected my decision.
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We haven’t had this thread in a while.
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It’s not online. It’s app only.
Try using the app when you’re not online.
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Just when we thought this thread couldn’t be any more ridiculous 
How is a signature strip annoying?
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Ok. Let’s descend into chaos. The signature strip and the magnetic stripe are two separate things.
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That’s a half more than you should be.
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That’s a rather bizarre reason to choose Monzo.
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In 2017 yeah. The reasons why I joined were:
- The fact your balance updated instantly (which was rare at the time)
- Logging into the app without feeling like you’re going through security at an airport
- Fee-free spending abroad
- The referral bonuses at the time.
I now spend using credit cards and save elsewhere, but Monzo is still at the centre of my financial life. Honestly the only things I care about are the joint account and being able to assign direct debits to pots now. I don’t really use any other features.
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Things I’d miss if I left Monzo. Flex card (yes I know there are alternatives). Real time banking (no overnight processing),get paid early. Perks goodies,especially the Network railcard.Things needing improvement;definitely response times. This is anecdotal because I haven’t needed to contact Monzo for 2/3 years. So for me after 6 years the perceived plus points far outweigh the negatives. I do have a legacy account but Monzo is and always has been my main bank.
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Because they pay me 
Seriously though - I was a Monzo customer long before I worked here. Monzo changed my life, I paid off my debt, I have savings, I learned to manage my money….
It still works for me (but I also have account elsewhere that work for me, it is my main account but definitely not my sole account!)
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You have issues!
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‘Someone’ has created exactly the same thread on Reddit. Back in a bit 
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I joined back in beta for a fee-free forex prepay card - and stuck around for an unfussy app that showed me what’s going on with my money in a way that works for me.
I’ve stuck around, partly out of inertia, but mostly because the app doesn’t fill me with enough rage to want to leave. I have a bunch of other bank accounts and there’s always a feature or two in their app (even if they’ve borrowed a few fintech Innovations) that makes me think it would wind me up if it was my daily driver.
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It is not, by far.
Agree here but it’s involved with much other bs.
I agree.
Also agree.
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Mostly the budgeting features/trends I can see all my accounts in the one place
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Asking chat bot is easier than multiple articles?
Ok x
I agree.
But don’t put your school work at detriment. I’m guessing some ASD or ADHD (don’t shoot me down) is at play as you’re soooooo invested.
Not an attack, ex being ADHD and countless ASD friends 
I’m an ally.
In 2017, I was with Nationwide BS, when I heard noise about Monzo and it’s no fee FX on a pre-paid card and opened an account to investigate.
I loved the nice, clean, interface, and the fact that it showed a “live” balance, without me waiting for transactions to clear before updating the numbers on screen. It worked effortlessly abroad, so much so, I didn’t need to use the cash currency I had taken, other than for tips.
When Monzo got their banking licence and made current accounts available, it made sense to migrate across to that. Pots was a feature I used heavily at the beginning, to help organise my finances, rather than pen and paper, and soon after, my income got switched to Monzo.
Today, I find the app heavy in features I no longer use, however, it is my main hub , from which my income is disseminated to accounts at other providers, for varying tasks and reasons.
My Monzo balance within hours of waking up on a payday, is reduced to £0.
I’m happy with Monzo, only one issue in 7 years, so no plans to leave any time soon.
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