To be very clear - Monzo 3.0 is about framing a lot of things that we’ve built and shipped already, that the average Monzo user likely doesn’t even know about yet, with a touch of something new as well, into a full cohesive public facing narrative. It is the start of a new chapter in Monzo, that will likely lead to lots of other things that people want, because it’s a strong new foundation to build on.
We haven’t been secretly working on a bunch of things that we never told any of you about, to pull off the invisibility cloak and yell “Surprise!” It’s not how we do things here and I doubt we could keep any of it secret from y’all for too long even if it was
It’s nice to think big and use your imagination, but let’s not get carried away. It may not be ground-breaking for your average person here on the forum who knows exactly what we’re working on, but that’s very much not the point of what this campaign is.
Personally, I disagree on this one. I see stuff breaking and changing in apps as a sign of health. It’s sometimes annoying if stuff moves and I’m in a rush, but in the fickle new app economy you have to keep moving.
I was on the Windows team for Microsoft support in late 90s and I still see ugly parts of Windows that haven’t changed, 20 years on. To force them to change, I setup a UserVoice for Windows and ran it until Microsoft took control and eventually built the feedback app into Windows 10. Only then I bought their stock.
The trade, as far as I see it, is for a better banking experience than anything that’s come before and continues to be out in front, I expect to live with flux and be tested on.
Having worked in banks since 2001, and many other large companies, the 3rd Industrial Revolution companies are dead because they became immobile by doing things “properly”.
This was the ITIL movement and it rusted the joints of large corporations just at the dawn of Web 2.0. The new culture of process for process sake, fear and risk aversion turned the bright people away and deskilled everyone else until people were so far from the customer and so in fear of reprisal for telling the truth and making mistakes that we ended up with the rogue trading, the credit crunch, stagnant CX/UX and giant IT outages.
Zuckerberg emblazoned “Move fast and break things” on the walls of his offices to drive out this fearful, crippling mindset, to great effect. You have to test in production, en mass, to find the truth. Tech companies suck up all the bright kids now, it used to be Wall St.
I think the UK needs more scrappy startups and more risk taking. I will happily be a guinea pig.
I don’t want to be a party pooper, really hyped for the secret feature and love the tagline, but I think this is another case of Monzo having no idea what parity means (coughcough iOS v Android parity). Monzo hasn’t quite reached parity (not that I’m saying it should with legacy bank accounts, without cheque imaging, free cash deposits, bank branches, support times, and a range of other things that legacy banks have and Monzo doesn’t.
Again, I’m not saying Monzo should. Monzo is a different bank to legacy ones, but it certainly hasn’t reached parity with legacy bank accounts.
FWIW, I love this. Most public releases aren’t all that for dedicated forum users, given they’ve been beta testing things for ages before, but this little secret nugget is a great way to show that you know and care about forum regular and get us excited alongside regular Monzo users.
Because Summary/Left to Spend works very well for me, so no need. Only issue is a slightly variable payday, but happy to reset each month. The only issue with the bill pot is that a lot of bills vary.
Bill Pots has the potential to revolutionise my finances once standing orders, subscriptions and direct debits are included. However, an automated transfer of the necessary amount plus an optional buffer amount on receipt of salary payment to the Bill Pot(S) would be brilliant.
But they have said if it varied it would withdraw the amount plus the rest from the main account (Not an idea solution but at least you know you wont miss a bill)
Exciting times ahead. No idea what the secret thing could be. I’m trying out Bill pots but not sure I’ll use them long term as I use Summary. What I’d like to see for eg 3.1 is the spit and polish akin to Apple snow leopard or iOS 12. Finish off unfinished features, tidy up inconsistencies, make animations and scrolls smoother, better payee management etc. Then go for adding new features after that.
For me the campaign message is really clear, and has put a lot of my feelings around Monzo into the right words.
Shouting about being paid early is really strong, I can’t tell you how many of my co workers would be jealous of me getting paid before them
Paying bills from pots ties into that peace of mind, where everything is working in the background to ensure you don’t have to worry about overspending - you can truly just spend everything else in your account and not worry.
I like the new nav - took a bit of getting used to, but I sure don’t miss that weird graph!
It’s not how we do things here and I doubt we could keep any of it secret from y’all for too long even if it was 
