Monzo actually has chat integrated and you can go back and see all the instant messages between you and them. Much easier to ask a chat message about a transact

Monzo actually has chat integrated and you can go back and see all the instant messages between you and them. Much easier to ask a chat message about a transaction and receive an answer with a push notification when everyone is read to discuss (i.e. at 4am you might well have to wait til the next day but no big deal). I have to say the best thing about Monzo is their customer service, it's really fantastic compared to other banks. I have other problems with them though - I won't use them with their 50p per day overdraft charge, even if you only go slightly into it; this persecutes poor people - it's much fairer to charge a flat percentage.