Monzo

Mine worked before card arrived.

It appears they have changed the process as per help files and now you need to activate the card before you can use the account.

I'm somewhere in the 5000s and I was able to use the account before I received my physical card. I was thinking of closing my ptsb account and just using my monzo account and credit union account. If monzo doesn't work out, I could just get a current account with the credit union, and it still would work out cheaper at €4 over ptsb's €8.

Got an email to say it's live. That was quick.

Tried a sepa and all worked as expected.

It's interesting, SEPA instant to/from PTSB no problem.

SEPA instant to Revolut - no problem. SEPA instant from Revolut to Monzo - nope, security hold - standard processing.

Clearly Revolut knows that standard users might withdraw loads of cash 

I did Revolut to Monzo last night and it was instant, too.

I'm considering using Monzo to replace Revolut for my day-to-day spending (much prefer the app layout on Monzo) and ultimatly replace PTSB

I deleted the payee and added it again and still the same "arriving tommorrow".

So if this works for everyone else, than clearly revolut does not like me. Surprise…

I’m starting to appreciate the simplicity and customer-focused design of the Monzo app for everyday banking.

There’s a small issue with account statements showing the savings account as “Pod” and double-counting totals in the transaction summary, but that’s likely due to how the statement is structured. 

Payments in and out work smoothly, though I still can’t do SEPA instant from Revolut, even though others say they can. 

I’m moving a direct debit over to see if there are advance notifications before the actual booking, which would be useful for spotting if a supplier isn’t sticking to the agreed amount or schedule. 

Overall, it’s a solid early access experience.

So far the only issue I've had was that I sent €10 from monzo to revolut which took two hours to arrive, but the fact that that might happen is mentioned in the help section.

Brilliant. That €25 came in very handy for petrol. I then topped it the next day and started using it.

I was one of the first to join Revolut on here, N26 as well.

N26 is handy and I never had an issue. free business banking, but Revolut were a disaster and wouldn't apply a chargeback for a hotel that I booked and when I arrived, there was no rooms available.