2025: What do we want to see? 👀

[ravipatel (Ravi)]

Normal credit cards don’t offer the 3 months interest free, which is the whole point of Flex (for me).

And there’s a huge range between £250 and £5k.

[betalogic]

@ravipatel

Normal credit cards don’t offer the 3 months interest free

No I know but they offer 18mths interest free etc, people use products differently and I’m just one person hence I’m interested but for larger purchases and stuff I’d use the credit card (usually cause I don’t plan on paying it off in 3 months)

Flex I tend to just whack last minute little things on - like I am awful at remembering people’s birthdays so its always handy to get bits on and then pay it off at the end of the month

[ravipatel (Ravi)]

@betalogic

interested but for larger purchases and stuff I’d use the credit card (usually cause I don’t plan on paying it off in 3 months)

Flex I tend to just whack last minute little things on - like I am awful at remembering people’s birthdays so its always handy to get bits on and then pay it off

Fair point. But £250 is just near useless. Wasn’t even close to covering the washing machine we bought last month.

[BritishLibrary]

@JIMMWX

Proper web banking

Yes please!!

Back in the early days of Monzo the app was much simpler (given fewer features and what not) - I’m beginning to find the app has too much in it for me to reliably find All The Things - a web layout would be super handy.

You know at times when you need the Big Internet to do Big Jobs… I’d like that for Monzo eventually….

I realise that probably puts me in a particular generational bracket having said that….

</get off my lawn etc>

[Carlo1460]

We love a NIMBY.

[twigusa]

@AlanDoe

you might all want to see this coming year from both Monzo and the forum.

From Monzo: Joint account parity (for everything)
From the forum: The ability to see only posts from folks who work at Monzo (nothing personal I just don’t always have the time to read and scroll through everything).

[ravipatel (Ravi)]

@descendent

Have you tried requesting a higher limit recently?
A few people (myself included) got increased limits after requesting in the app.
Introducing Monzo Flex – a better way to pay later 🚀 - #5162 by npc_06

Yep. I try every so often and never get any joy.

Would love to know if people who aren’t full Monzo have had much joy.

[BritishLibrary]

One thing I’ve been pondering… Forum Meet Up!

Not sure if that’s “fun” or “too much”.

Obviously with masks as avatars for privacy.

[coffeemadman (Jonathon 🏳️‍🌈)]

I’d like that like the old days. Recall having a few beers in the summer sun near Old Street with some early Mondo users.

[Paulw (Paul)]

Monzo Pride meet up was fun.

I’d like to see shared pots happen this year

[Carlo1460]

Travel and stay to walk the monzo merch

[Ubiquitipro (Gateway)]

Monzo American Express Card Please

[Ambassador_Spock]

I’m not “full Monzo” (in that my salary isn’t paid into my Monzo account. In fact my salary gets paid in USD into my US account and I send the majority of it over here via Wise each month) but I do have Perks, Flex, a Joint Account with my wife and two U16 accounts… My Flex limit was recently increased from the starting £1,750 to £2,500

[thehamshackman (dstaruser)]

In terms of products, one thing I’d very much welcome would be a ‘Regular Saver’ with a competitive - preferably fixed for a year - rate of interest.

Principality Building Society offers a 6-month RS, which I believe has been very popular.

As for the forum, I’m short of ideas this morning but there is absolutely one thing I would NOT wish to lose and that is the quite unique engagement with the forum by Monzo staff, whether it be things like this thread, the various precis we’re given on how things operate or just the introductions to themselves.

Whatever the odd grumble that may arise now and again, this is a thing to be cherished.

[halfSpencer123 (Spencer)]

One thing i’ve always thought was quite unsettling about the Monzo app is that there isn’t a loading screen… Just face ID and your IMMEDIATELY in.

Might just be me but a quick little animation welcoming me and asking for my face id like the other banks would be so nice.

Take Santander for example, a nice little welcome “Hello, Spencer!” and a lovely picture behind…

Although, still keep it snappy like now. If you know what I mean.

[Carlo1460]

@halfSpencer123

Just face ID and your IMMEDIATELY in

Immediately in for me

Monzo logo > account

[Ordog]

Please stop talking

That’s a terrible idea and don’t start the whole security debacle off again

[urban]

My yellow Monzo card expires this summer so…

Coloured Monzo cards for summer 2025 please

[Carlo1460]

@jo

Why not introduce wallpapers for the app as well

Absolutely not. It’s already cluttered and colourful as it is hence no longer a user.

@jo

Tis less secure though. Yes, the phone is secure. But it does add a second layer of security, bringing it up to the level of all my other banks.

I disagree. If they’re in your phone they’re in your banking apps.

You can’t send payments unless you Face ID or PIN (I think).

Just adds friction IMO.

HSBC for example; it annoys me it doesn’t auto log in and you have to tap login.

[Carlo1460]

@jo

Makes it harder for the customer to make a mistake

Not when you just wanna log into the app.

@jo

better than even their FinTech competitors

Revolut and Starling outperform Monzo (IMO) with general functionality (bills from Pockets/Spaces), free virtual cards as standard, less clutter around the app.

Some would argue Revolut is cluttered but I’ve used it so long to just ignore what I don’t need.

If Monzo ever tone down their app and aim for less fun and funky, I could go back, but they won’t as that’s their business model.