Monzo - Mobile Banking

Monzo is a mobile banking app that provides users with a UK current account, joint account, or business account. It offers features such as saving with Pots, earning cashback, and spending abroad without fees. Users can manage their finances in real-time through the app.

Monzo offers a mobile banking solution with features like spending abroad without fees, which aligns with the 'borderless debit card' feature. However, it doesn't explicitly state that it offers mid-market exchange rates or multi-currency accounts, so the confidence is moderate.