[Folcon]

I wouldn't undervalue the effect of getting a notification every time your account gets used with additional details and the trivial ability to look back over past transactions whenever you want.

I'm constantly surprised by how useful the app is.

[jon-wood]

That alone has been something that keeps on Monzo. I once had someone try to buy a flight with my card - I immediately got a notification, froze my card to prevent further payments, and had the whole thing resolved within 20 minutes of the first payment. With a conventional account likely the first I’d have known of it was when I tried to make a payment and it was declined, and I’d then have to unpick everything.

I’ll also admit I have on occasions gone through my transaction history the morning after to work out which bar I ended up in.