Man of Honour
This is why I keep an old Natwest account so if I need to do big withdrawals or deposits as I use monzo I can just transfer it over and withdraw.Been a Starling / Monzo user now for 2+ years. Got rid of Halifax quicker than I could blink.
Only one BIG issue with the app based banks is I can't walk up and withdrawal say £1k if something pops up on Facebook market place that takes my fancy. You have to plan ahead and uses the withdrawal daily limit. Few people do accept bank transfer but it's risky not knowing 100% faster payment works.
Am now starting to move away from Monzo due to the one big issue is no CCV in the app. If you forget your card and are out/cannot find it your stuck doing online shopping.
Starling gives you full control, CS can be a bit Frank and they run directly off a script and can be very robotic.
Halifax well..... 1000 issues to name.
With the ccv if it's that much of an issue for you note it down in your phones note app.