Monzo and Starling have secured full banking licenses for sure. Though recently, I think it was only this year. Tandem I think lost their license because of pro

Monzo and Starling have secured full banking licenses for sure. Though recently, I think it was only this year. Tandem I think lost their license because of problems with funding. So that claim might have been true few years ago before fintech boom started. Lots of new digital banks already got or are in process of getting banking license. Banking industry in U.K. is getting shaken up currently, lots of fintech challengers.