Can you top up your HSBC account with a credit card from another bank? A Monzo account is just another bank account.
> no physical branches
Is this really a con? Last time I visited a branch (Nationwide), I was told to just go online and fill in the forms. Monzo let you deposit cash and cheques at the post office - my post office has better opening hours, shorter queues, and there are more of them than branches of my specific bank.
Not quite. You can deposit at any PayPoint location (mostly corner shops and the like), not Post Offices [0]. They also charge £1 for each deposit and the maximum deposit is £300. This is not an issue for me (I rarely see or use cash), but it would be for some.
Having made my first deposit at the weekend, the main issue is that the shopkeepers have no idea how to accept a deposit. I tried four places, and only managed to succeed in the end because I instructed the shopkeeper how to do it.
That's a good point. But with the low exchange rate and a modern app, they're also (willingly or not) competing with Revolut. I can top up a Revolut account with a credit card.
I do think that comparing a bank account to a prepaid card is a little too much of a stretch thoigh.