If just thinking about your bills makes you feel confused and disorientated,

like your head is full of Raspberry,

then you need Monzo.

Download your new favorite bank and pay bills from custom pots.

Money never felt like Monzo.

UK residents, T's and C supply.

It's 11 PM on July 31st 1970, just off the northwest coast of Britain. Trouded in cold mist, the murky muddy waters of the Solway Firth churn and swirl.

This inlet of the Irish Sea creates a triangular dent in the British coastline right at the border of Scotland and England.

Somewhere in this mouth of freezing cold water, around five miles from the coast,

a small navigation boy floats unsteadily

on the tumultuous surf.

The rusting metal cylinder

is just four feet wide, a tiny flash of colour bouncing and spinning among the inky black waves.

On top of the boy, clinging on for dear life, is a shivering young man.

24-year-old Jeff Hunter sits, curled up in a ball, one arm clusping a metal hook, a frayed piece of rope tied around his waist.

If he loses his grip on this tiny, slippery float, he'll be swept out to sea.

Jeff pulls the hood of his anoract tighter over his head

and tucks his legs closer to his body,

trying to stay warm.

I wasn't sure what the temperature went down to but as night

came it got definitely colder so I just sat on the thing longer and longer.

Eventually, as it got colder, I realized that I was going to have to spend the night on this boy.

...