I joined Monzo back in September 2016 and I absolutely love it. From the intuitive user interface to the clear itemised statements and response customer service, this is one of the only mobile only bank that I've had nothing but pleasure being a part of. I've used other app-only financial companies such as Loot and Starling and they just do not compare to the level of attention to detail that Monzo provides. Since I joined the app in 2016, it's gained so many useful features such as standard pots (a fantastic way of putting money aside to make sure you don't spend it!), savings pots which allow you to earn 1% interest providing that you have £1000 or more in the pot and the ability to send and recieve money from other Monzo users to through the app, which is brilliant. Being a student, saving money is really important and, over the last couple of years, Monzo has helped me save more than I ever have before which is going to help me with things like a deposit on a house and other general living expenses meaning that I won't have to worry about a thing. I'd feel comfortable saying that I don't think I'd be where I'd be today - financially - without using Monzo.