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  • I have monzo and like it but it hasn't changed my spending habits at all, too easy to top up from my main bank account. Monthly graphs are good though.

  • It's done the exact opposite for me. I seem to have left over spending cash at the end of my second month which is nice. It's the notifications that I'm finding really help.

  • It looks like I'm the odd one out, if this thread is anything to go by.
    It's never going to be a quick fix for lack of discipline though, needs to instigate a behavioural change and it didn't for me.
    Are people using it for online purchases as well as in-store?

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