The ongoing closures not only saw people swap the high street for the internet, but led to a boom in takeaways after pubs and restaurants repeatedly had to close their doors. Monzo, the digital bank with almost five million customers, has released its annual data for 202, outlining the most interesting spending trends among its customers - including which restaurants and food services proved to be the most popular. Here are the 10 food chains and delivery services where Scotland residents spent the most money.


. McDonald's
The popular fast-food chain proved to be the top choice in Scotland, ranking as the highest for overall spend. Photo: Shutterstock

. Just Eat
Just Eat was the go-to food delivery service in Scotland, ranking above rival brands Deliveroo and Uber Eats. Photo: Shutterstock

. Greggs
The bakery chain had the third highest spend in Scotland over the last 12 months. Photo: Shutterstock

1. McDonald's
The popular fast-food chain proved to be the top choice in Scotland, ranking as the highest for overall spend. Photo: Shutterstock

2. Just Eat
Just Eat was the go-to food delivery service in Scotland, ranking above rival brands Deliveroo and Uber Eats. Photo: Shutterstock

3. Greggs
The bakery chain had the third highest spend in Scotland over the last 12 months. Photo: Shutterstock

4. Deliveroo
Deliveroo was the second most used food delivery service in 2020, ranking in fourth place. Photo: Shutterstock