Hi Mat, I am indeed still using Monzo daily. I use it as my pocket account for day-to-day spending, to take abroad and use the joint account for family groceries. I do still like Monzo but I feel like today there are other stronger competitors in the marketplace. I use Starling as my main account as I feel the user experience is much better and the app offers a better experience for dealing with different accounts, different pots etc.

All in all, I still love Monzo and feel loyal to them, but I also feel they are beginning to lose their competitive edge.