As a customer of Monzo, the reason I use it currently is because it is the only service offering a sane policy for travel (other than American Express). It is

As a customer of Monzo, the reason I use it currently is because it is the only service offering a sane policy for travel (other than American Express). It is also the only service with a mobile app that doesn't look and feel like a complete shit show - usually because they are web apps being wrapped in a tiny bit of native chrome.