{"slug": "monzo", "name": "Monzo", "category": "finance", "category_name": "Finance", "description": "", "recommenders": 4, "commenters": 4, "warners": 0, "score": 3.406, "rising": -1.31, "first": "2026-01-03", "latest": "2026-03-12", "why": "I use Monzo, and that works perfectly on GrapheneOS", "why_is_quote": true, "has_verdict": false, "sentiment": {"recommend": 4, "neutral": 0, "compare": 0, "warn": 0}, "spark": [0, 0, 1, 0, 3, 0, 0, 0, 0, 0, 0, 0], "listed": true, "loved": [], "caveat": "", "short_quote": "I use Monzo, and that works perfectly on GrapheneOS", "kind": "", "icon": true, "domain": null, "github_repo": null, "official_url": "https://monzo.com", "pricing": "", "aliases": ["Monzo"], "verdict": null, "praise": [{"label": "", "summary": "", "quotes": [{"id": 757585168, "item_id": 47349073, "url": "https://news.ycombinator.com/item?id=47349073", "by": "small_model", "date": "2026-03-12", "stance": "recommend", "quote": "I use Monzo", "excerpt": "This is probably in response to the new App first banks like Monzo/Starling (I use Monzo) Where you can open an account, see savings, current account, business account, CC etc all in one. My daughter opened an account using the app only (Scan passport, video clip to authenticate) got the card the next day and setup up savings, investing ISA's with a few clicks. Again incumbents not willing to innovate until someone d", "context": "", "use_case": "day-to-day banking", "switched_from": "", "story": "UK banking apps showing customers other users' transactions"}, {"id": 755906257, "item_id": 47244141, "url": "https://news.ycombinator.com/item?id=47244141", "by": "domh", "date": "2026-03-03", "stance": "recommend", "quote": "NatWest and Monzo work fine on my Pixel 9a running GrapheneOS.", "excerpt": "NatWest and Monzo work fine on my Pixel 9a running GrapheneOS. Community maintained list of supported banking apps here: https://privsec.dev/posts/android/banking-applications-compatibility-with-grapheneos/#united-kingdom Google Wallet is not supported at all.", "context": "", "use_case": "", "switched_from": "", "story": "Motorola GrapheneOS devices will be bootloader unlockable/relockable"}, {"id": 755674784, "item_id": 47229674, "url": "https://news.ycombinator.com/item?id=47229674", "by": "AJRF", "date": "2026-03-03", "stance": "recommend", "quote": "I use Monzo, and that works perfectly on GrapheneOS", "excerpt": "Some info in case someone is on the fence about this, and are living in the UK. I use Monzo, and that works perfectly on GrapheneOS. If they ever stopped working, I would just CASS to another bank. A bank that has a posture that something like GrapheneOS is too insecure to use their app on is a bit of a red flag.", "context": "", "use_case": "Banking", "switched_from": "", "story": "I've been running GrapheneOS on my Pixel Fold for over half a year"}, {"id": 743696976, "item_id": 46481061, "url": "https://news.ycombinator.com/item?id=46481061", "by": "bspammer", "date": "2026-01-03", "stance": "recommend", "quote": "they correctly categorise 99% of my transactions for me", "excerpt": "For checking accounts, I have a list of rules that each transaction passes through. If a rule matches it generates the double-entry transaction going from the checking account to the account listed in the rule (or vice versa if the amount is positive). Earlier rules take precedence over later rules. If no rule matches it errors and prints out the transaction so I can add a new rule. The main account I use for day to ", "context": "", "use_case": "day-to-day banking", "switched_from": "", "story": "10 years of personal finances in plain text files"}]}], "caveats": [], "who": [], "tags": [], "use_cases": ["day-to-day banking", "banking"], "compared": [{"slug": "grapheneos", "name": "GrapheneOS", "co": 2, "switched_from": 0, "switched_to": 0}], "makers": [], "threads": [{"url": "https://news.ycombinator.com/item?id=47348720", "title": "UK banking apps showing customers other users' transactions", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=47241551", "title": "Motorola GrapheneOS devices will be bootloader unlockable/relockable", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=47228390", "title": "I've been running GrapheneOS on my Pixel Fold for over half a year", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=46463644", "title": "10 years of personal finances in plain text files", "mentions": 1}], "sentiment_by_month": {"2025-11": {}, "2025-12": {}, "2026-01": {"recommend": 1}, "2026-02": {}, "2026-03": {"recommend": 3}, "2026-04": {}, "2026-05": {}, "2026-06": {}, "2026-07": {}, "2026-08": {}, "2026-09": {}, "2026-10": {}}, "quotes": [{"id": 757585168, "item_id": 47349073, "url": "https://news.ycombinator.com/item?id=47349073", "by": "small_model", "date": "2026-03-12", "stance": "recommend", "quote": "I use Monzo", "excerpt": "This is probably in response to the new App first banks like Monzo/Starling (I use Monzo) Where you can open an account, see savings, current account, business account, CC etc all in one. My daughter opened an account using the app only (Scan passport, video clip to authenticate) got the card the next day and setup up savings, investing ISA's with a few clicks. Again incumbents not willing to innovate until someone d", "context": "", "use_case": "day-to-day banking", "switched_from": "", "story": "UK banking apps showing customers other users' transactions"}, {"id": 755906257, "item_id": 47244141, "url": "https://news.ycombinator.com/item?id=47244141", "by": "domh", "date": "2026-03-03", "stance": "recommend", "quote": "NatWest and Monzo work fine on my Pixel 9a running GrapheneOS.", "excerpt": "NatWest and Monzo work fine on my Pixel 9a running GrapheneOS. Community maintained list of supported banking apps here: https://privsec.dev/posts/android/banking-applications-compatibility-with-grapheneos/#united-kingdom Google Wallet is not supported at all.", "context": "", "use_case": "", "switched_from": "", "story": "Motorola GrapheneOS devices will be bootloader unlockable/relockable"}, {"id": 755674784, "item_id": 47229674, "url": "https://news.ycombinator.com/item?id=47229674", "by": "AJRF", "date": "2026-03-03", "stance": "recommend", "quote": "I use Monzo, and that works perfectly on GrapheneOS", "excerpt": "Some info in case someone is on the fence about this, and are living in the UK. I use Monzo, and that works perfectly on GrapheneOS. If they ever stopped working, I would just CASS to another bank. A bank that has a posture that something like GrapheneOS is too insecure to use their app on is a bit of a red flag.", "context": "", "use_case": "Banking", "switched_from": "", "story": "I've been running GrapheneOS on my Pixel Fold for over half a year"}, {"id": 743696976, "item_id": 46481061, "url": "https://news.ycombinator.com/item?id=46481061", "by": "bspammer", "date": "2026-01-03", "stance": "recommend", "quote": "they correctly categorise 99% of my transactions for me", "excerpt": "For checking accounts, I have a list of rules that each transaction passes through. If a rule matches it generates the double-entry transaction going from the checking account to the account listed in the rule (or vice versa if the amount is positive). Earlier rules take precedence over later rules. If no rule matches it errors and prints out the transaction so I can add a new rule. The main account I use for day to ", "context": "", "use_case": "day-to-day banking", "switched_from": "", "story": "10 years of personal finances in plain text files"}]}