u/JohnBlobby

I've used Monzo for about 8 years. They're a good bank but they charge for some basic things like virtual cards to link to pots/spaces, which has always irked me. I also dislike the ATM withdrawal limits they have. So seeing that Starling gives you those things for free instantly drew me to them. Also, apparently Starling has better customer service with the option to call their call centre. That's cool too. I've had some issues with poor communication on live chat from Monzo in the past so I'm looking forward to being able to call my bank if needed.

The advantages of Monzo are getting paid a day early (but I don't mind not getting paid early. What matters more to me is seeing my pay a day early as a pending payment, which I think Starling does. So that's fine), apparently Starling doesn't show active card checks that don't require manual approval whereas Monzo does (which I consider to be a minor security flaw) and apparently Starling doesn't let you manually mark a transaction as a subscription (minor issue and kind of irrelevant once it's linked to a pot in my opinion).

Overall Starling takes the win quite easily, hence me switching over. I have my account all set up and am just waiting for my debit card to be delivered.

Have any of you used both banks? What are the differences you noticed and which bank do you prefer?

I'm thinking of leaving my account dormant for a couple of years. Will it get closed? Does anyone know how that works and what I have to do to keep it open?

Mine would cost like £40-50. It would have actually good subscriptions included like actual YouTube premium, a good AI subscription, and something else like ad free Twitch or Netflix and maybe some cloud drive storage or something. Scrap the sausage roll and cinema crap. Gimme a gigachad package.

I want my card to be black. I want my app theme to be black. I want unlimited foreign cash withdrawals. I want higher limits on free Post Office cash deposits. I want 4.2% on easy access savings. I want higher limits on virtual cards. I want unlimited disposable cards. I want priority call centre access for problem solving. I want to get paid 2 days early instead of one. And throw in a lottery ticket for good measure.

I read a lot of people saying their accounts got closed or restricted and they have had issues with customer service and struggle to get problems resolved in good time. I find all these complaints concerning but Revolut, while it works as intended, is very useful to me in ways that other banks aren't. So naturally I want to keep using it. But I'm wary. What is your advice to someone trying to enjoy the conveniences of Revolut while managing the risk of experiencing issues that they maybe wouldn't have with other banks?

In an ideal world, if I wasn't concerned about their reputation and they had good customer service, I'd have my salary paid in and use them as my main bank but I'm not going to do that. However I could still have my bills go out of there, or is even that too risky? Can I depend on it for large transactions and transfers? Or should I just keep it topped up with a few quid and use it for basic spending and disposable cards?

What do you trust them with?

(Btw please assume all my activity is legal. I don't do crypto or any scammy shenanigans. I'm just trying to bank honestly).