Agree, but my comment was on the two different figures for non-salaried, migrated from prepay and new i.e. not migrated from prepaid
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The belief is that those that have migrated are still into using card top ups which cost more. Hence they cost more as a user.
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Thanks @michaelw90 that makes sense
He may not say it, but I bet he has been called it 
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I doubt his speeches are as interesting either…
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I wasn’t knocking it btw (in case anyone thought I was). I like that he speaks like a real person and not a corporate phrase book or technical directory 
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Ah yes - totally agree. I can’t see @Tom trying to fix LIBOR either. If only all banks had his leadership.
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If Tom did Libor it would have emojis in
L 
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Hey Jamie, I’m really sorry to hear that 
If you’d like to send me a DM to elaborate, that would be really helpful.
Aren’t top ups capped at £100 for new users? Maybe this is the difference.
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I went along earlier, it was interesting to see just how much the costs can be reduced by putting your salary through.
As an aside, have to say I love how the entrance door was being held open by a dropped ice cream style door stop. 
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Great point @anon25115823
Interesting that Tom recognised Apple Pay as the first significant feature missing in Monzo
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It’s not the first time though. He gave several small hints in various Tweets prior to this event already.
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I am gonna go to the next one and when I do I will get a list of questions to ask from you lot
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It’s a shame because I’ve heard 95% of those questions before and the exact same answers from Tom
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My questions will be good ones though:
How many eggs do you have in an omelette?
Do you like Pineapple on Pizza?
Where is Apple Pay?
In a fight who would win, you or the homeless guy on the corner?
Do you like cats?
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How do you solve a problem like Maria?
Don’t think he’s been asked that one
Remind me what Maria said? 
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Why is Maria a problem?