The race to pull ahead of the pack is still on for the UK’s trio of top digital banks, as Monzo, Starling and Revolut jostle for primacy in retail banking innovation.

In January, Fintech Files published a State of the Fintech Union analysis, sizing up the opportunities and risks that lay ahead for the UK’s three most prolific digital banks in 2021. Eight months on and an annual report from each player later, it is time to take another look at how they have done so far.