(I’m considering full monzo to be using it as my main bank, holding my primary cash flow and using it for the majority of payments)
Personally in the context above, my main concern is with support, especially when I have time sensitive payments to make. I have some worries about potential issues if I need to make a payment. I need to be able to call my bank and have it fixed in 5 or 10 minutes. I don’t want to have to worry that if a payment fails or something goes wrong that I can’t get someone to resolve it right then and there so I can make payments on time.
For example I recently had a large payment for a new tenancy to make that was time sensitive. I need to trust that I know I can get in contact with my bank and have issues resolved in a timely manor. I need to know that my bank will treat time sensitive issues as time sensitive.
For the moment a lot of that trust for me is gone. Hope it comes back but at least personally I think there’s a lot of rebuilding that needs to be done in terms of having responsive customer service and rebuilding trust in it.
Apart from that, a lot of the features monzo has everyone else has, and some of the monzo unique features don’t work well. (For me(