[randomvectors]

> Can you top up your HSBC account with a credit card from another bank? A Monzo account is just another bank account.

That's a good point. But with the low exchange rate and a modern app, they're also (willingly or not) competing with Revolut. I can top up a Revolut account with a credit card.

[maccard]

That's also a fair point - the idea of a bank account has been muddied. Monzo had "pots" which all gain interest, and they come from the same account. I'm not aware of any other bank accounts that offer embedded savings accounts.

I do think that comparing a bank account to a prepaid card is a little too much of a stretch thoigh.

[randomvectors]

Revolut isn't just a prepaid card. What they offer is very similar to Monzo, even if they started out differently. That's why they're competing with each other and it's fair to compare them.

[maccard]

I have to say, I'm actually a little muddied on what revolut is. They claim to be a current account, except they're not fscs protected, but they do have some interesting parallels and additions to a current account.