And, I think the lack of joint account support really hurts.
I genuinely would have stayed if there was any communication about plans. Similar to how good Monzo was during the Making Monzo phase with the trello board. But there’s been nothing and it’s just stagnated
Unless there’s some major update I’m going to cancel after Xmas.
Right now Plus delivers zero value to me.
Well I don’t use Monzo for any categories or budgeting and virtual cards seem unfinished - I can’t even see all transactions on each card.
The thing I was really excited about with plus was virtual cards. As it stands they are useless though. You can’t freeze them, you can’t set spending limits on them, you can’t link them to pots. They are directly linked to the balance in my account so provide no added security other than I can delete them after use. Yet there’s a finite amount of times I can do that. I would like to see some kind of disposable virtual card and also some way of limiting spends on them or being able to freeze them.
Premium nearly had me signed up but the travel insurance has put me off. It has far more restrictions on it than any other policy I’ve seen before.
Right now I don’t feel like I’m getting any value from Plus and will likely cancel soon if there’s no news on any of the above.
I love it except from how scratched my card is from card machines 
Why would anyone buy a product they didn’t think was value for money in the first place? If you wanted more from plus why wouldn’t you just have waited until it had the things you want.
Four months is a pretty short time in a product lifecycle too. I’m sure there’ll be updates to the product in time, but it isn’t going to transform overnight.
Monzo is not going to please everybody or be able to provide everything everyone wants to see. I’ve been with Monzo a while now because I became so frustrated with High Street banks. I’m now a premium member and it works absolutely fantastic for me! Phone insurance alone! (I’ve used it with fantastic results and amazing customer service) that alone is worth my Subscription to Monzo. I find the app out does allot of banking apps and I’ve had a few to mention. You can’t expect new offers every month because I don’t know of any bank that does that?. I use every feature in my account but will never use travel insurance I doubt but I’m not going to moan about it. 
I’m confused, I thought Monzo said that unlike last time, there was no “and more to come”, and you should opt in to Plus based on what is available only, not what “might” happen in the future??
For that reason, people complaining that there have been no improvements (well, aside from the Amex integration, but that’s always overlooked) therefore cannot be taken seriously.
Complaints about “Offers” not changing whatsoever, well that I can understand, as you’d expect that to rotate/change to a certain degree. But otherwise? Hard nope.
I recall Monzo said the same each time they launch Plus.
At the same time, Monzo also always say the product would be improved over time
Confused messaging perhaps but easy to see why customers can get both sets of messaging.
Which is exactly why whilst I wasn’t expecting any new features (although I wouldn’t say no if any came along) but was expecting some improvements to features.
Personally funding virtual cards from a pot (granted some regulatory ducks have slowed that), freezing virtual cards, and maybe forcing a particular category for a particular virtual card would be enough to feel that it has enough value to me.
To try it out, in my case. Two weeks wasn’t enough time to evaluate it properly.
And it’s hardly a huge financial risk is it, just to give it a go!
Exactly, it’s “give it a go” money not “better make sure I’ll really use it first” money.
I’ve said it before in a different thread, but I think there’s a difference worth pointing out of “existing features that really need optimising” vs “wishing for new features”.
For me there’s a lot in that “optimise” bucket - so much in the nitty gritty of how some of the features work that only really become apparent once you use the product for a few months.
It’s these I want to see/hear improvements in.
Agree, feels like virtual cards were launched when they were just half ready…
Any update on this?
What’s this?! Lootboxes in my Monzo app!?
I can get a sense of pride and accomplishment in my financial achievements?!
But to actually reply to the substance of your post - I think this sums stuff up well.
V1 and 2 - complaints of it not being finished, very MVP, etc.
And there’s definitely more polish on the surface of V3 of Plus for sure - but still has the sense that the features behind are still not quite done.
a strategy that becomes all the more risky when you are dealing with paying customers and wanting to retain them plus attract more.
That was actually a thing with Plus 2. You could pay monthly to have a chance to win a metal card