Monzo

Transparency (23/25) - Privacy policy is very easy to find and the data explanation is very clear and easy to read.

Security (25/25) - Monzo offers 2FA and has very strong encryption with little to no major unresolved data breaches and they also regularly update the app.

User control (22/25) - Users can very easily delete their data and manage what data Monzo is allowed to collect. Users can easily opt out of data tracking.

Responsible sharing (21/25) - Monzo has very limited data sharing to third-party companies, and they are very transparent about ads and tracking.