Comment by randomvectors

This is where they actually bring value right? - Delivering a good banking product outside of the UK.

Because as a UK customer I see no reason to switch after trying Monzo for a couple of months.

Positives:

- a nicer mobile banking app

Negatives:

- no credit cards and no option to top up using a credit card from another bank

- no physical branches

Everything else is comparable to most other banks in the UK. Which isn't bad, just nothing worth switching banks for.