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!)
You have issues!
I chose Monzo as the app was modern, clean and intuitive.
I left Monzo as the app got cluttered, unintuitive and they kept trying to shove the paid accounts down my throat on every interaction.
I re-joined Monzo as I really liked Flex.
I still use Starling as my main account though as the app is simple, clean and intuitive as well as offering more features for free than Monzo such as virtual cards, pay bills from spaces and interest on current account balance (soon to be removed but the easy saver is still a better rate than Monzo offer for free)
Monzo ones…
and probably many more.
‘Someone’ has created exactly the same thread on Reddit. Back in a bit 
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.
In a nutshell: because I didn’t like Starling.
The first time Monzo was my main bank, I was trying to get away from the legacy offering that is Barclays. I wanted a bank account, not an e-money account, and Starling was first. I was one of the first to sign up and was immediately put off with the onboarding that I did a @DMc1 and closed my account within minutes of opening it. Starling’s app was the embodiment of lipstick on a pig. Same legacy thinking, just with a fresh coat of paint that makes it look modern and new.
When Monzo became a bank, it was a much different experience. I liked this one more and moved over from Barclays. It was short-lived because I left them for N26 as soon as they launched in the U.K.
When N26 pulled out of the U.K., I chose Monzo again for the same sort of reason. Starling’s response to N26 customers affected by their withdrawal was one of mockery in their choice of who to bank with. It was tone-deaf. Monzo’s was more compassionate (both to customers and employees), and so I trusted them more.
I have since left them for Chase, because, in the end, though I like Monzo, their approach is just a bit obtuse for me. N26 and Chase both offered a simpler execution of a modern banking experience I wanted.
It is not, by far.
Agree here but it’s involved with much other bs.
I agree.
Also agree.
Each to their own. Compared to the likes of the NatWest app, I find the Monzo app significantly easier to navigate. And also being able to search through help articles instead of having to go through Cora for EVERYTHING makes a really nice change. As an RBS user you must agree with this surely.
Fairs
Yeah. Starling’s 4% Easy Saver beats it, and that’s before you start looking at Chip, CovBS, Monument etc. Is is good for storing money temporaarily/as an emergency fund due to the instant withdrawals.
Mostly the budgeting features/trends I can see all my accounts in the one place
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.
Absolutely, if the chatbot understood me properly the first time. Just a shame it takes Cora 4 messages to understand that I want to know about depositing cash. x
Almost definitely. My friends suspect one/both. I just haven’t been to a doctors yet to actually talk to someone about it. Probs should lol 
Nah you make very valid points.
I mean ASD runs in my family (my brother has it)
thanks 
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.
Hmm, ok.
I first chose Monzo in circa 2018, basically everyone in the office had a hot coral card and I wanted in. I also opened a starling account this time because I found the Monzo app at that time, ahem, cluttered.
I went all the way and closed everting bar my old school NatWest account until around 2020 and got cold feet, going to NatWest. Then Monzo, then HSBC and really happy with HSBC now.
I will be forever grateful for Monzo. Instant notifications and real time balance really helped me get on top of my spending and urges to buy things that I didn’t really need.
I might’ve still been with them now (and technically am, I have a dormant account) but honestly the new app design is way, way too cluttered and the packaged accounts I think are top dollar price, bottom dollar content (for me). I’m sure others find them very valuable.
Just my luck this happened almost to the day I decided I was going to open an account. My friend lives in Germany and has used them for years now and at the time he was saying how great they were lol.
I might’ve not come back to Monzo (at the time) if they’d stayed. I also forgot to mention, has Chase been around at the same time it’s highly likely I’d have never come back to Monzo.
Left First Direct because I got fedup with their security system at the time, I was stuck in a never ending ‘change your password’ loop as I recall, drove me insane - shame, cos otherwise they were great. For no particular reason, I have a dislike of all the olde worlde, traditional banks. I was taken by the ease of use, very ‘real-time’ nature of Monzo. I also like the fact they are fast moving, and update the service a lot in response to the user bases ideas, and seem quite ‘cutting edge’. I never imagined it would introduce me to a whole world of banking nerds on a forum, that was an unexpected “bonus” 
Went for Monzo in 2017 as explained here: