Began as a Monzo Beta user in 2016. In 2024, ended up as a ex user. Shutting a personal premium account and moving my company away from Monzo Business. I've used Monzo for years at this point, I've always enjoyed their approach to all in app approach but over the past two years the user experience across the board has completely dropped off a cliff. The app is rarely updated now. No new large premium features for years at this point. Hands down though, worst of all is Customer support. It will cause the death of Monzo. From a personal and business point of view, every person I come across has nothing good to say about Monzo anymore. Wait times are awful, communication is awful, lack of people is awful, from a business point of view their support is not viable for any business when something goes wrong. Avoid them at all cost, go to the 'high street' banks. Granted application will take time but they actually have people who will sort things out for you.