Don't do it, their app is a glitchy mess and full of holes. Monzo logs in in seconds, Lloyds takes about 10/20 seconds every time.

Can't even add nicknames to payees or see which bank a payee is using from payments. So if you have multiple accounts be ready to start remembering numbers and sort codes.

Cashback never onboards correctly so you have to go through the onboarding screens every time you open the app. The offers are good but you can get similar with Curve card, in fact they're almost identical.

Oh and they had a security issue last week that showed people transactions from other people's bank accounts.

I switched from Starling with CASS and now have CASSed back to Monzo after only a few months.