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I think we use it for the same purpose.
The top up has really soured it for me. if I don't have anything as concrete as full bar 4G or wifi, my banking app barely works. Also stops access if not updated, which happen without warning and needs full data to update.
To make it worse, logging in from a laptop STILL requires the App. I hate my bank but stuck with them a while. So yeah, deal breaker having to rely on my bank up....to top up another bank app...
I'm gonna continue using it, but I'm already exploring other options for daily use card. Monzo will remain my travel/fuel card.
Chak
Man, I didn't realise the tops up had changed so badly - that's possibly a deal breaker for me, doing that so easily was key to it being so useful.
I'm not going to change all my banking over to it, and it was very useful to have Monzo as my 'daily expenses card', which I imagine was a significant use case for their customers