[davidhowlett]

I live in the UK and also recommend Monzo. They have a good app but the thing that stood out most to me was the correct use of emoji in their terms and conditions. It is definitely a modern bank.

[ahartmetz]

> was the correct use of emoji in their terms and conditions

That seems like a highly dubious way to evaluate a bank.

[zodiakzz]

Link for the lazy: https://monzo.com/legal/terms-and-conditions/