This is a perfect post-mortem. Their communication and support has always been really good. I've been using Monzo as my primary bank account ever since they registered as a bank, and I've converted a lot of friends to it. But... over the last year, the iOS app has fallen in quality: long UI freezes, frequent sign-outs with no explanation, silly UI bugs. My non-technical friends have noticed the same issues. It's a real shame.