Looks interesting, but way over my head (at the moment) in terms of the details. However, my main reason for commenting is that I used Monzo as a preloaded cre

Looks interesting, but way over my head (at the moment) in terms of the details. However, my main reason for commenting is that I used Monzo as a preloaded credit card for two holidays in Europe this year (I'm from the UK), and it seems to me to be how banking should be - easy to use, simple app that doesn't involve half an hour on the phone to get it authorised (unlike HSBC), and you get instant notification of spending when you use the card - indeed on several tolls we got the notification before we'd got past the exit barrier of the toll plaza. And the exchange rate is better than my bank gives. Excellent.