Disagree. Most of the UK banks are dinosaurs, inhibited by technical debt they were too scared and/or lazy to pay off. I’ve used four established UK banks. Mon

Disagree. Most of the UK banks are dinosaurs, inhibited by technical debt they were too scared and/or lazy to pay off. I’ve used four established UK banks. Monzo is light years ahead. Simple example: buy round in pub. Monzo: “£10.50 spent at Red Lion in Shoreditch” immediately pops up. Balance is reduced. All other banks I’ve used: <nothing happens for days, as long as a week>. Showing on app after that: “6-Feb CHG A LO SWIN 3868X £10.50” or similar garbage. And if that subsequently takes you overdrawn, well, your fault buddy! Should have tracked every penny you’d spent and run a spreadsheet to make sure you weren’t going overdrawn. Not our fault you’re too busy to itemise your spending, even though there’s absolutely no good reason for you to have been required to do that for decades. The first time I used Monzo, I topped up from my bank’s debit card and bought something from the shop. My phone buzzed as I tapped the card reader and it gave me that magic moment feeling startups are always looking for. Five days later, the top up from my old bank appeared on my internet banking. After a minute, I realised what it was, laughed, and closed the old bank account.