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For me, it's a 2 horse race between Starling and Monzo in the mobile challenger bank space. It is really, really good to have these two pushing each other. Sure you have options like Revolut and Atom, but I think these two just edge it.
I've used both Starling and Monzo for about a year and they are both excellent, truly excellent. I have never had a problem with either. In terms of functionality, they are both pretty similar but Starling are further ahead with their business and offerings as a whole. They were first to overdrafts, Apple Pay and business accounts.
However, I had Monzo about a month before Starling, and although feature wise Starling just edges it, I can't bring myself to switch over. It's about being part of Monzo's incredible community, I prefer the app (although Starling's does look snazzier) and having that sweet coral card alongside all the other people, admittedly just in London, is pretty cool. Is that potentially a odd reason to choose one product over another? Yes, probably, but that's just the effect Monzo has over people. Oh, and my mum uses it, that has to count for something.
Awesome onboarding experience - within 15 mins you have a bank account setup to receive money and an Apple Pay card issued to spend it.
