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@jaitch
Ok I finally took the plunge on both Monzo and Revolut.
On-boarding was amazingly easy. I recently set up a first direct bank account and it took over a month with all the paperwork going back and forth. Between receiving an invite link from a friend for Monzo to the "yes we are sending you a card and youre all good to go" message was 25 minutes, whilst walking to the train.
Revolut was just as quick and pain free. I am impressed with the Revolut app and options on limiting types of transactions.
looking forward to using them to see if I can budget more responsibly using them. small items only and once the amount has run out for the month then its gone.