Overall app works well.
My only interaction with customer services was great.
Flawless sign up and conversion to current account.
I love the notifications and live balance.
Few things that niggle me
It urgently needs an option for fingerprint or pin to open the app. I’m not happy if my phone is unlocked you can go straight in.
Direct debits appear as a notification at the bottom of spending, this just doesn’t feel right. The payments tab would make much more sense?
My main love of the prepay - '‘ring fenced’ spends is gone. I loved egg money while it existed for the same reasons. No current account card in my wallet, just what I can spend.
The app needs a way of partitioning the balance into a pot wages go in and direct debits come out and a card linked to a sperate spending pot.
This was Monzos killer feature for people’s budgeting IMHO and instead of milking overdrafts, make money from cross selling and switching based on spending data? A very different relationship with customers.
I almost needs dual accounts if I am to close my current account and move over fully.
Hopefully pots will enable this if you can ring fence salary and bills away.
The android app needs to catch up quick.
Just my 2p!