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A resounding hit among digitally-savvy Millennials , Monzo has captured its market through a focus on simplicity and consistent functionality . An interesting diversion from the norm , and a service that emblematises the nascent capabilities of this new breed of bank , is the ability for account holders to be paid their salary a day early through a “ no cost , no hassle ” advance fronted by Monzo . Along with easing the burden of a long month and looming bills , the neobank also offers an in-app energy switching service with options hand-picked for their use of renewable electricity sources as standard . FEBRUARY 2020