The issue all of these new style banks have is how to actually make money. They get exploited for the overseas transactions which cost them money but struggle to get enough standard customers to make them money on things like overdrafts and loans because a lot of people choosing them are a bit more money savvy than average (hence using these type of accounts).
Personally I use Money Dashboard for tracking spending as collating various cards, accounts, etc is much better for me so I don't bother with the features of Monzo, etc.
The issue all of these new style banks have is how to actually make money. They get exploited for the overseas transactions which cost them money but struggle to get enough standard customers to make them money on things like overdrafts and loans because a lot of people choosing them are a bit more money savvy than average (hence using these type of accounts).
Personally I use Money Dashboard for tracking spending as collating various cards, accounts, etc is much better for me so I don't bother with the features of Monzo, etc.