Monzo vs Revolut vs Starling vs Chase UK – Which Digital Bank Wins?

We pit the four biggest UK digital banks head-to-head to crown a winner. Spoiler alert: there's no single answer—it depends what matters to you.

From cashback and travel rewards to customer service and credit cards, we break down exactly what each bank gets right and where they fall short. Plus, which one has the worst app but the best banking fundamentals, and why Revolut's new banking license doesn't save its standard account.

What we cover:

• Cashback rates: Chase UK offers 2% on groceries, fuel, transport & dining
• Travel support: Which bank wins for international spending
• Credit cards & personal loans: Only Monzo offers both
• Cash deposits: Starling vs Monzo's £1 fee (and the hidden limit)
• Customer service tiers: Why Chase & Starling stand out
• The verdict: Best overall, best for travel, best for cashback—and the bank we'd skip entirely

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Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

Transcript

SPEAKER_01 0:00

Okay, welcome back to another episode of Banking Without Borders. So today we're looking at four of the biggest digital banks in the UK: Revolute, Chase UK, Starling Bank, and Monzo. And we're gonna try and work out and debate which one is the best. We're gonna go through cashback, savings, travel, support, and just have an honest conversation about what they get right and what they get wrong. And as always, feel free to jump in the comments if you disagree or you want to add anything or correct us. We love to hear from you. And Jan, good to see you, buddy. Shall we just begin with the origin story of these four?

SPEAKER_00 0:32

Absolutely, Johnny. So very interesting. I want to say this beforehand. All of these four providers are licensed banks. Um Revolute was the last to acquire their banking license. You guys probably have heard about it. That was March 2026 when they've received it after a long, long struggle in order to get it. Revolute initially launched in 2015, probably the oldest provider in here. Um was uh might be worth mentioning that they were incorporated in 2013 and it took them two years to actually build a product. Monzo launched in 2015, Starlink 2017, and Chase UK is the youngest of these four, which just launched in 2021. Revolut is the biggest of these four with 75 million global customers. Um Monzo a little bit behind, okay, quite a lot behind, actually, with 15 million customers, Starlink 6 million customers, and Chase UK only 2.5 million customers. What I find interesting, Johnny, is the fact that these all all of these four are kind of different, right? They have a similar product, they're all banks, but they're they're different in the way they approach banking. So you see Revolut and Monzo with paid tiers, right? You can you can upgrade in order to get subscriptions or other benefits. You've mentioned in the past that you can get a a Greck Street when you upgrade to Monzo Perks. Very nice, saucer troll, um, etc. Lot of lot of stuff available there. Um says the vegan. But you don't get that with Starling and Chase. These are literally fully fledged bank accounts and they they just do banking really well. So the question really is what's best? What's best for whom, right?

SPEAKER_01 2:02

I mean, there's a lot of subjectivity with this one, isn't there, Yan? There's so many different benefits across all four providers. We've got a number of tiers that we could look at for Revolute from standard to ultra. We're not going to go into that today. We're specifically looking at the best free accounts or the best sort of standard tier accounts that they're offering. The same can be said for Monza as well. We're not going to go into too much detail with their uh different plans that they have available. I think looking at the core banking benefits of these providers, I mean, there is a couple that stand out more because of what Jan just said. Like Chase UK, for example, are really trying to hammer home that they are just a core bank without having like the art offset of different benefits, like a VPN subscription, for example, or a Greg's, like Jan mentioned. I think when it comes to core banking, Chase UK really stands out to me. Unlike Starling, Jan, they also have a credit card to offer. Revolute don't have a credit card at this point. We know there'll be one coming. Um, yeah. Monzo Have Flex works in a similar way to a credit card and is also more functional in the sense that it has like a buy now pay later built in where you can spread the cost across not only three but six but nine months as well with interest. So that is there, but I think if we're thinking, yeah, just core banking features, Chase and Starling kind of stand out a bit for me because with Starling, you are getting cash deposits as well. That's a big, big, big compelling factor of Starling Bank versus these other providers, isn't it? Revolute used to offer cash deposits, they got rid of them, which is fascinating. And if you look at these providers, Starling Bank's gonna be your only option if you want to deposit cash. Um, I mean, you could use Monzo, but it's one pound per deposit, which just isn't reasonable, I'm afraid. You know, I've got 20 pounds for Christmas from my Nan, and I've got to pay one pound to deposit it. So I think when it comes to core banking, Starlink Chase are at the top here. Uh, Jan, I don't know if you want to push back at all on that. I mean, you're gonna get virtual cards with Starling as well.

SPEAKER_00 3:58

You're gonna get virtual cards with Revolute and Monzo, but Johnny, I'd I'd like to push back on the cash deposit part. You mentioned that costs one pound per deposit when you use Monzo. Not quite true. Uh, you get three free deposits if you're subscribed to a tier above perks. Um, so only the the the entry tier base. And you could literally just go ahead and and uh upgrade this if you really have the scenario that you have to deposit cash more often. Um yeah, I mean Starling has a limit of a thousand pounds per year, so that's also somewhat restrictive if you think about it. Yes. So I'm not sure what's quite better. And above that, they charge 0.7% um in fees, and I think that can probably sum up faster. I I'd say most people literally looking to deposit cash, they probably have a a bit more than 20 pounds, right? Else else what's the point of going to a post office to deposit it with Monzo and then paying a one pound fee. You know what I mean?

SPEAKER_01 4:52

Yeah, but these cards these cards also have like Starling also has the kite card, which is a children's account. You know, I was getting birthday cards when I was a child that had like a £10 note in. I might be lucky enough to accumulate 30 to 50 pounds in total. Am I supposed to just keep that cash under my pillow? Maybe. Maybe that's what most people do until they've got a large enough amount to justify going to deposit it. We don't need to, I don't think we need to hang too long on cash deposits. It's becoming quite a niche topic, but it's an important one to mention if we're comparing them on a banking level. Um Starling here do stand out though beyond the rest of the providers, right? I think we can agree on that. They are weak, though, in certain other aspects. I mean, look, from an app perspective, arguably Starling have the worst app out of all four. Some people will push back, and we welcome that in the comments. But if you look at the app in terms of functionality features that are available, Revolute and Monza are ahead, particularly from like a budgeting and analytics perspective. Starling have decided to push forward with their AI chatbot. Um, I've not had a huge amount of experience using it because to get the most of it, you would need to have like a breadth or sorry, a depth of data available for it to look at. I I can only ask it questions, like you know, you're supposed to ask it questions, like, for example, how much money did I spend last month on groceries or at a specific vendor? And it can give you that detail quite quickly. So unless you have that data there, it can't really tell you a huge amount. But Starling have really focused on going down the AI road. But I think as a result, yeah, and they haven't really taken their app further, not redesigned, redeveloped, or improved or added new products and features, and that's something Monzo do, that's something Revolute do. I mean, within Monzo, you've got so much, mate. You've got the ability to track and trace a pension, you've got the ability to invest in a number of different funds. You know, you've got a fantastic savings challenge like that that will get increased interest that we'll talk about, we'll go into the interest rates shortly. Uh Revolute are doing a similar challenge. Revolute are doing challenges around Rev points and rewards that we'll talk about shortly as well. Chase UK recently, you know, they've never really over they've never really overhauled their app from a design perspective, but you've got JP Morgan's personal investing built in.

SPEAKER_00 7:04

Johnny, I'd be curious. I'd just be curious, how would you rank them if you'd have to um give it to your list? Revolute would be one, I assume.

SPEAKER_01 7:11

I mean it's subjective, isn't it? Like we said, I said this at the start of the video, like Monzo would be for m number one for me. Monzo, okay. Um I find it easier to um just coordinate. I find it easier to just progress through and find everything that I'm looking for. Then it would be Revolute, and then it would be Chase. I do actually prefer Chase's simplicity, um, and then it would be Starling, which I've just become quite sick and tired of, to be honest. Uh I used Starling Bank for about nine months in 2021 and 2022, and the app has developed and changed since then. I can appreciate that. You know, I was using it when they had current account interest, it was like 0.5%, I believe, up to £2,000. I appreciate that. I think that should come with a disclaimer because a lot has changed then, and that's why people can jump in the comments and and critique what I'm saying regarding Starling and and defend Starling, please. But from my perspective, from my experience, that's how I would order it. Monzo, Revolute, Chase, and Starling.

SPEAKER_00 8:12

Fascinating. Very, very fascinating. So legacy beat fintech in this case. Wow, didn't expect that, Johnny. What about what about savings? Should we talk about savings? Um, because there I think it's rather the opposite. If I see the the 4.5% boosted saver that Chase has to offer at the moment for new customers, to be honest, but um it's still very, very compelling, um, isn't it? So how how would you say um does fintech compare against Legacy when you look at savings?

SPEAKER_01 8:40

Well, I think that this is to do with pocket, like deep pockets, right? We we we know, and to be fair, Revolute are able to raise a lot of money to fund their expansion and their marketing schemes, but JP Morgan are putting a lot of money behind Chase UK. And I actually found it really interesting, Jan, when you said they only have 2.5 million users. I had to double check that because that sounded low. Um, because they are so generous or aggressive with their rewards and offers, and part of that is the Chase Saber at 4.5%, new users only, and you get it for the first 12 months. Um, yeah, I mean it look, if we take a look at deposit scout.com right now, if we filter for easy access, Chase UK are in the top three. Yeah, they're right up there, just behind Revolute. But really, that Chase Saver is actually more compelling because it's 4.5% across 12 months, whereas Revolut here are offering a boosted rate up to £25,000 of 5%. And beyond that, the rate that you receive reverts to your account or plan rate, and if you're using standard, that's 2.9%. So you end up with a blended rate, so to speak, and Revolute are only onboarding new customers onto that rate between the months of, I believe, June and August, and then that rate will end in December. So if you sign up for Chase UK today, you know you're gonna get 4.5% for a whole year. That across a whole year is gonna be far more advantageous than Revolute's sort of blended rate up to 25k. So ultimately, Chase UK right now have the best easy access saver in the UK. There's a couple others in there we can see on deposit scout.com there are some options available for you, but Chase UK, super compelling. Starling, I don't even know if they're worth discussing, Jan.

SPEAKER_00 10:30

Yeah, it's ridiculous, Johnny. It's ridiculous. 2.5% easy access. Um, ooh, what's the point even?

SPEAKER_01 10:37

Let's have some fun. Let's go on deposit scout.com right now, and we'll put Starling into the table. So I'm just gonna add Starling, put that easy saver into the table, and there you go. It drops right down to the bottom. And it's not yet, it's not in it's not even close. I mean, if we have a look at it, you know, it's it's 0.3% below inflation right now. It's it's not good enough, is it? And it it kind of it kind of tells you how they can't be that hungry for new customers, Yan, if they're not going to be offering such, like if they're gonna be offering such a poor rate, because that will deter deposits. If you're watching this, if you're listening to this, are you depositing money with Starling Bank of any large sum? I wouldn't be surprised if someone was. Your money's being eaten away by inflation.

SPEAKER_00 11:23

Yeah. Johnny, is it because Starling lost focus because they're so so busy developing their engine product, which is which we've discussed in the past, is their it's it's a banking as a service product that they they've launched, that they want to push. Is it that they lost focus and they're just focused on that now? B2C is no longer relevant?

SPEAKER_01 11:42

Possibly. I don't know, but something surely could explain why they have to some degree stagnated um in terms of like the innovation of their their product, of their app, you know, Monzo Revolute racing ahead with new features, Chase UK. I mean, we aren't going to go into a huge amount on the different plans and tiers, but Chase UK does have Chase Protect, something they launched, I believe, in December of last year. It's an insurance bundle, arguably a challenger to Monzo's Max plan. Starling aren't countering that with their own insurance bundle or plan. If nothing, right? In fact, nothing in place. I don't I I please, yeah, I don't see anything. Unless you do, I really struggle to see the unique selling point of Starling in this conversation. Please, though. Again, in the comments, chime in. Maybe it's the cash deposits, Jan. I don't know, buddy. Do you see anything?

SPEAKER_00 12:33

Yeah, not much to be honest, Johnny. Um cash deposits. Travel? Um travel.

SPEAKER_01 12:38

Do you want to talk about travel? Because that might defend them somewhat.

SPEAKER_00 12:41

It's a very good travel card. Is that a standalone reason to sign up for Starling? I'd say probably not, because the other one, uh the other providers that we were talking about, they're also decent. Um, but Starlink's probably leading in terms of travel. What you get is MasterCards Exchange Rate, no markup at all. Similar across at least three of these four providers. Monzo and Chase also offer the MasterCard rate without any additional markup. Revolute, they build an exchange rate margin into the rate. They call it Revolute Rate. We've discussed it in the past. Not terrible, but it's also not good either. Love the fact that there's no new sort of weekend markup or um FX limit with Monzo, Starling, and Chase. You do get that with Revolute. And so that can make the especially at least with the free tier, that can literally disqualify Revolute as a travel card if you were planning on using it. Um ATM withdrawals, that's where Starling has a slight edge over all of these other providers. No fees on worldwide ATM withdrawals, although there's a cap of 300 pounds per day, I believe. Um if you make the map, 300 pounds per day. If you really had to withdraw 300 pounds every single day, there'll be 9,000 pounds you'd be withdrawing in a month. And that's a lot more that you can withdraw for free compared to all of these other providers. Revolute offers 200 pounds per month. Monzo, I believe it's between 200 and 600 pounds, depending on your your tier, um, the location, whether you're within the EA, and whether you use the account as a main bank account or not. And Chase offers up to £1,500 per month or £500 per day. Starling, clear winner here, but is that increased ATM allowance a reason to just pick Starling over these other providers? No. God knows, no. I think most people will be fine just withdrawing maybe £500 when they're on a trip. Um that's it, I guess. How often do you actually use cash? Unless you're in a in a in a foreign country that's literally relying on cash. Um, but nowadays there are not many of these.

SPEAKER_01 14:40

And I mean Revolue are hedging so hard and you're not needing it at all, given that they were historically this travel-friendly card, but they only offer you £200 of fee-free withdrawals. It was for a long time though. It it is arguably good enough. Yeah, not enough for a long time.

SPEAKER_00 14:56

No, that's not enough. Yeah. £200 is not enough.

SPEAKER_01 14:59

I was gonna say you could Yeah, okay, fair. I was gonna say you could argue it both ways. You could, because you could argue destination specifics. Like you you could go to a pretty modern, I mean, even the UK, you know, I don't ever pay for anything with cash. Meaning. Unless I'm buying something on Facebook Marketplace, which I doubt you're gonna be doing when you travel here for your holiday. So yeah, I see it both ways though. 200 is is to be fair, for a brand or a bank that marketed markets itself as being this sort of travel companion, yes, Revolute Standards should definitely do better. While Starling are overdoing it to some degree, but as a result, maybe they position themselves as a great travel card. I personally, Jan, have been speaking about them for years. Every travel card video I think I've ever done, I've said Starling Bank is a great choice. I I like Monzo, but it's a little convoluted. I think it's quite clear, isn't it, the order here? It's Starling, Chase, Monzo, Revolute.

SPEAKER_00 15:55

Is it a similar order if we look at rewards, for example? Because I think Starling Do they have anything in place?

SPEAKER_01 16:02

Oh, it's like a reverse. I was gonna say, I was gonna say it might be it might be reversed because if you think about it right, Starling and Monzo. I mean, Starling don't have any reward system in place. They may have historically had tail, which I think is now verb. These are third-party apps. Yeah, I actually thought it was Bark, um, but it's tailed. You know, your classic retailer cashback apps, multipliers, um, you know, you plug into your Starling account or you plug your Starling account in. Um it was clunky as hell. I remember testing it. I remember testing it because I did a Chase UK versus Starling video in like 2022 and I tested it. It was a terrible experience. So Starling is last when it comes to rewarding your spending. Monzo, arguably third. They have retailer specific in the app, and it's it's alright. I mean, it is what it is, it's it's not great. Loads of banks do this, it's just basic. Um, I'm sure they'll come through with something at some point though, but which will be better. Um and then it comes down to Revolute and Chase UK, Jan, which is an interesting conversation, right? Do you want to talk about who is more rewarding? Is it though? Is it the cashback or the rev points? I know, I know, I know, and I know I was just trying to hype it up a little bit. I was trying to make it a little bit more interesting.

SPEAKER_00 17:18

I think if you solely look at these three tiers, you compare Revolute Standard to Chase UK, it's very clear Chase UK is far better. Um, Revolute lets you earn ref points. Chase UK, on the other hand, gives you cash back directly. Um with standard, you're only getting one ref point for every 10 pounds that you spend. Um, yeah, um, really hard to justify. I'm I'm collecting them. I'm I don't even know how many ref points I have. I don't it doesn't matter at this point, right? Because if I if I go ahead and let's say I spend a thousand, yeah, like 77, I think. Um I I I locked in the other day actually. Um if you go ahead and spend a thousand pounds, you're literally just getting a hundred ref points and they convert to Avios, for example, one to one. So you're getting a hundred Avios by spending a thousand pounds. Wow.

SPEAKER_01 18:05

What's the redemption value of one P per point?

SPEAKER_00 18:07

Yeah, so one pound? If so, but you'd struggle to buy anything to redeem these points um for at that rate, unless you have a few thousand points, ref points, Avios, you just can't do much with them. Um so it's it's irrelevant.

SPEAKER_01 18:21

If you go say like for like one P per point or with Chase UK, you can earn two percent cash back up to um what is it, a thousand pounds of spending. So with Chase UK, if you spent a thousand pounds and you were qualified for the cashback, you could get 20 pounds. If you spent a thousand pounds with Revolute Standard, as Jan just said, you'd get a hundred points. Which would arguably at one P per point be worth one pound. So you're you're you're earning 19 less pounds as a result of shopping with Revolute Standard.

SPEAKER_00 18:53

Might be worth mentioning that Shea Suke cashback is only on certain categories, right? I believe there was there was groceries, fuel transport. Um that's it?

SPEAKER_01 19:02

Slightly stretched now. I think it's slightly stretched now. You've got takeaways in there as well. Yeah, they opened it up a little bit more. Um I'm just going in to have a quick look, but they've stretched it out a bit. Groceries, everyday transport, fuel and electric charging, restaurants and cafes, and takeaways. Um groceries is a big part, I guess, huh? Yeah, yeah. I would say, I would say, look, I would say the majority of household spending in the UK is probably pushed across that. Can you spend a thousand pounds on all of those categories every month? Combined, maybe. Someone who eats a lot of food, fuels their car frequently. Bodybuilder. For example, yeah. Bodybuilder that drives to commutes in a car. Yeah. There's definitely, definitely an argument where it, yeah, he'll need a big car. You know, he's building his body. So I think it's clear. Um, you know, inside of Chase UK as well, you're also going to earn 5% on roundups. That never really moved the needle for me personally. Um every every now and then I transfer a couple of pounds out of the roundup account. That that number, Jan, was um, you know, they I think it was 2021 when they launched. That number was pure marketing. It just it hit hard. 5% interest on roundups. No one really computed how little you would actually earn, but it was a marketing play, and I think it was very effective. Um they came out with very big headline numbers. I think it was a 2% interest account as well, 2% saver, and it was huge at the time. Really, the big one there is the 2% cash back, which does mean that they are the best in terms of rewards of the four. Of course, though, you know, if you get Revolue Ultra and you you're earning one point per pound, that will change things. I appreciate that. But from a free account perspective, Chase UK is superior. Arguably the same with support. I've experienced Yan, all four of these from a support perspective. I will speak from experience. I welcome people to jump in the comments and let us know what your experience was like. Chase UK, though, pretty good. You can get a call through pretty quick. Um, you can get someone on the app relatively quick. If I was to order it from experience, I'd probably put Chase and Monzo first. You know, I recently tested Monzo's phone number, it was really good. It was really good. I I called them, someone answered at Monzo Yan, and because I was testing them, I didn't think they were going to answer that quickly, and I wasn't ready with a question, and I hung up. I panicked and I hung up. I think we've all been there. Wow. And immediately, mate, they called me back and I didn't answer, but they left a voicemail and I wanted to make sure everything was okay. All right. That was Monzo. That was really cool. Um, you're not getting that with Revolute, let's be real. You're gonna get the app and it's gonna try and filter you out with AI, at least at a s at least on the standard account. And with Starling, again, speaking from experience, my you know, experience using like the in app chat support was also very good. So I'd probably rank this sort of Monzo or Chase first, Starling. maybe in there as well and then Revolut last. And I think people share the same sentiment. You probably used Revolute support, right?

SPEAKER_00 22:06

I've used Revolute support, yes, but I'm only subscribed to the standards tier, so I wasn't able to try this phone support at all. I believe that's available above premium.

SPEAKER_01 22:14

I've used it. I've tested it. Yeah it was okay.

SPEAKER_00 22:17

All of these providers offer 24-7 phone support, um at least with certain restrictions. And I think that's quite amazing considering that it sometimes takes a while to call a legacy bank. I've I've called legacy banks more often than than fintech banks actually and um I'm surprised like how how long certain things can take to get resolved at all or to even speak to someone. Yeah it's fascinating and I think that's a good sign. I think that's how these these banks win trust that's how they acquire customers you know and that's probably the best way forward because if there's one thing that's extremely frustrating is having an issue with your money which is very important and you don't have anyone to talk to that's that's a situation you don't want to be in.

SPEAKER_01 22:58

And especially because they're branchless they should do the best possible service when it comes to customer like contact.

SPEAKER_00 23:05

Mandatory.

SPEAKER_01 23:05

Yeah agreed I think it's important to mention we talked credit cards but I just realized we didn't talk about personal loans and overdrafts Jan which is might just be worth referencing because only one of these providers offers personal loans.

SPEAKER_00 23:19

Yeah and I believe that is Monzo at the moment at least in the UK might be worth mentioning that Revolute offers loans and credit cards in certain EU markets but not in the UK at this time they will launch for sure they've just got their banking license things take time they'll also launch out launch loans and credit cards very soon I'm sure but yeah with Monzo you can get loans. Monzo is probably the the closest when you when you look at these providers when it comes to um to being a a regular bank you know um because you can get a loan you can get a credit card you can get an overdraft you can deposit cash relatively freely without many restrictions okay it costs money but to be fair it probably costs them money if a customer deposits cash as well and that's a free account so I think that's that's rather fair. And yeah that leads me that makes me think Johnny that Monzo is the most complete account overall if we look at our tier list here and um that's probably the account I would recommend to most people.

SPEAKER_01 24:18

I do appreciate what you're saying. At the beginning I spoke about Chase UK which felt like the the core banking provider you know the the the robust free standard bank. In hindsight I think Monzo would yeah I think I would go for Monzo. And they are in terms of like their own customer feedback the most uh successful of the four aren't they at least of the three that we have because of Ipsos and the the questionnaire that they put out I believe on a quarterly basis where they ask a thousand customers of of of I think the top 17 banking bank banks in the UK you know for their feedback. Monzo is currently at the top of that I must admit I think you're right. I think Monzo is the one here to recommend from a banking perspective. From a travel perspective you know Starling Bank is is is is good is great. From a rewards perspective Chase UK particularly for new customers not only for cash back but also for savings is it is it possible that Revolut Yan are the worst of the four if we're talking digital bank though you know we're here to say who is the best digital bank and Revolute have a fantastic app.

SPEAKER_00 25:29

Does that make up for the lack of some of these really important banking features to me probably not because it's not like these other apps are unusable. I would I would recommend Revolute the least Johnny I'm I'm all with you here. Revolute standard Revolute Standard at least it's uh yeah um worth noting Darling in my opinion best travel card if I I've said before um it's close relatively though. Chase UK is great when it comes to cash back probably best cashback card and probably a card you should um or an account you should get regardless of whether you have an account of these other providers because it's just so good when it comes to cashback you can get 2% on groceries um fuel transport dining um as Johnny mentioned that that's that it's that's solid you know hard to beat.

SPEAKER_01 26:14

Yeah Chase chase UK also just to chime in there you can switch with Chase UK and not close your account entirely which is quite a good benefit for anyone who's looking to grab switch offers right now just go to deposit scout.com check out the switch offers and if you have a Chase UK account you can enact a switch through the current account switching service without having to close the account entirely just create a new current account inside the app. I've done that Chase UK are aware that customers are doing this you can't abuse it but I think that's another reason to have a Chase UK account available.

SPEAKER_00 26:46

I think everything has been said right if I had to um had to categorize Monzo best overall um Starlink slightly better on travel chase best account on cashback in Revolute is ironically the weakest of these um at least with the standard account you should probably still have it because it's yeah budget might get better over time who knows um they might launch credit cards that make a Revolute standard more exciting in the future I don't know but right now I don't see a lot of reasons to it's it's the sad to revolt it's the sad state of it isn't it that they use they use they use the tiered plan accounts right that that's where the focus is and they're using standard to just funnel people into them and that's the that's the sad fact.

SPEAKER_01 27:27

It is whereas you know Monzo Monzo are doing that to some degree but at least that that standard free account has a little bit more to give particularly from a travel perspective. Absolutely right it is a highly contested highly subjective so please get in the comments let us know your thoughts push back and if you want to make it a bit more personal you know you want to target us specifically sounds like you're gonna bully us but come into the Discord I'll put a QR code on the screen right now or stick a link in the description box and you know we just set that up join in the conversation become a founding member we'd love to see you over there. Jan and I are pretty active on there it's starting to get a bit active I think we have over 50 members now Jan. Exactly talking about anything from eSIMs, banks, uh football what else have we got going on in the conversation? TVs Greg's O2 priority what was that?

SPEAKER_00 28:21

TVs yeah discussions about TVs all kinds of discussions they're off topic um there's an off topic channel there are there are a lot of other channels where we discuss banking topics and you can request episodes. It's great. And besides that I think Johnny there's not much to add here. Um very interesting topic this week we'll see you in the next episode as always and yeah it's been a pleasure. Goodbye