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Together, they can build a bank that, by addressing your problems, treating you fairly and being completely transparent, they believe they can make the bank better. Monzo focus on solving problems, not selling financial products. They hope to make the world a better place and change people's lives through Monzo. They do things differently. Banking has long been dull, complex and opaque. They want to change that and build a bank for everyone and everyone. Their amazing community suggests features, tests the application, and gives them constant feedback so they can build something that everyone likes. How they communicate changes the way people think about them, so they better make sure that what they say reflects where they stand. Their tone guidelines do just that.