Monzo is a great mobile banking app that has a strong team behind it and is on a good track to become one of the best banking apps out there. Their investment comes from crowd funding and they go out of their way to listen to what their users want and work towards those goals.
Although Monzo has plans to go international they seem to be focused primarily on UK at this point. You must be a UK resident to open an account
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Monzo offers an overdraft option for those elegible. Overdrafts are free up to £20 but then come at a cost of £0.50 per day for any amount above £20.
Monzo has a great community and invite anyone to meet and discuss features and the future of Monzo both online and through meetups.
Monzo does not charge any foreign currency exchange surcharges.
Joint accounts allow you to create a seperate Monzo account that you can share with someone else. This can also comes with seperate physical cards.