Monzo
Monzo is the UK’s favourite digital bank for a reason, it takes all the hassle out of everyday banking and replaces it with clean design, instant notifications, and genuinely useful features. Launched in 2015, Monzo has grown from a prepaid beta card to a full-blown, fully licensed bank that lives entirely on your phone. You get all the essentials, current accounts, savings pots, overdrafts, joint accounts, and even loans, but with smart extras like automatic budgeting, spending breakdowns, bill-splitting, and savings goals that actually make managing money kinda fun. You can even set up Salary Sorter to divide your paycheck the second it lands. Their customer service is top-tier, and everything feels instant, intuitive, and transparent. Oh, and yep, they often run referral bonuses, so if you join through my link below or by clicking on the thumbnail above, you could snag a little free cash boost of £10 for signing up and making a card payment of any amount within 30 days. If you want a modern bank that’s actually built for how you live today, Monzo is an absolute game changer. (promotions regularly change so what is being advertised you might not receive, check the terms and conditions before you begin)