Set up a new business and was into my 3rd month of trading, received a large payment from a client and they closed my account without warning or explanation, meaning i could not pay staff, my bills or direct debits, impossible to speak to a human being, can only chat via the app which is a robotic reply, kept my money for over 2 months, had to get the FCA involved to get my money back, worst experience of my life! so if you need a bank that will destroy your life and your business then choose Monzo