Adam Douglas Hey ho, this is a month late ;D Mondo (now named Monzo for legal reasons) has been a joy to use. It's a great app. However, in the real world, I bank with Barclays, and their app already was-and still is-the cream of the crop in terms of usability and functionality. The Barclays app, on both iOS and Android, offers slick interactions and most of the killer features that Monzo touts as its USPs. I support Monzo for trying to disrupt banking, but I would not be prepared to drop the current account I've had since I was 16 when I haven't had to go in-branch in about 10 months. When Monzo has p2p loans & bitcoin, it'll be a game changer.