I agree with the responses to my point, no doubt. Their support is there to help and they will increase the BT amount for example, it's just a thing to be aware of if you're considering a Monzo account and not something you usually have to think about quite so often (thanks to the lower limit). I'm sure other TZ'ers will find this thread in the future when considering a move to Monzo, so we may as well make it as useful as possible.

Their new packaged deals have thrown an interesting curve ball into my plans, as the perks are actually pretty good value. I'm still going to separate day-to-day banking from savings and investments just to avoid the 'all your eggs in one basket' risk, but the Max Plan + Family cover seems good value compared to buying everything individually for the family.