Honestly? My Monzo and Starling accounts were first opened to see what other banks were doing in terms of banking app UX and account opening as my design/UX experience is within a building society where it’s savings accounts only and so not features heavy and only desktop and responsive. Essentially I was doing research.
Once opened, they were the first banks to do the whole ‘top up’ as well so I treat them almost like a budget now, I put money on each on payday and this will last me the month. My bus fare is £2.10 so whenever I don’t get a lift 90p goes into my coin jar or space. Likewise a coffee across the road from work is £2.30 so there’s another 70p ‘saved’
As much as I like both, and as slow as HSBC has been in terms of playing catch up with some features, I don’t think I’ll go the “full Monzo” or “full Starling” not yet at least