I went as full Monzo as I could a year ago and only use my Barclays for my help to buy ISA.

When I walked into a Lloyd’s to close the account I’d had since I was 7 they just laughed when I said that Monzo gave me a 6 times higher interest rate on my savings than they ever did.

I’d never thought about the cash thing (as I hardly use it) but good to know there’s at least a work around!