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Kat Zien

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Review of the Monzo, Flex Credit Card:

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Flex is my go to option for larger purchases

Flex is easy to use, super transparent on fees, allows me to repay early and it's directly connected to my Monzo account so I have everything in one place. Reviewed on: 10th February 2025

Review of the Monzo, Current Account:

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Best bank ever - Monzo takes care of all the heavy lifting for me

I always found budgeting to time consuming - everything had to be done manually by copying and pasting into a spreadsheet, or by just keeping a running tally of all my expenses and plans in my head. This meant that while I wasn't terrible at money management, I wasn't saving as much as I could and I also didn't think of the little things like rounding spare change into a piggy bank. I started using Monzo back in 2016 or 2017 and immediately feel in love with the pay anyone / split bill features. Then I was desperate to start having my salary paid into it so I can take full advantage of the budgeting features. Once they became a stable, mainstream bank I went "full monzo" (ca late 2018) and I haven't looked back. I haven't used my old Lloyds account for anything since, and I'm looking forward to what Monzo will bring in the coming years (credit cards would be another thing I'd be happy to use Monzo for). Recently I've been supercharging my use of pots - starting to use them to pay bills, cleanly separate money and save up for various goals. It feels incredibly good to be in full control of my spending at any time, to know at a glance how much money I've got left till my next payday and to have the peace of mind that the money for important things is all safely set aside and I don't need to worry. Monzo does all this for me - I'm pretty sure I wouldn't be doing the equivalent money management by hand with spreadsheets and bank transfers into different accounts. It's a huge time saver, and it takes the stress away. One thing I've always loved about Monzo is the fact that I never have to go to a branch or talk to anyone on the phone to get something done. The in-app chat (although I rarely need it) is convenient, fast and people are polite. friendly and willing to help. Reviewed on: 12th April 2021

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