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?
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.