I will miss the instant cash back, itās what made this so much better over other cash back offerings was being able to instantly withdraw rather than wait days or months!
I wonder if there is a distance metric to neighbouring postcodes. For example Iām in Falkirk with and FK postcode and regularly visit Edinburgh and Glasgow with EH and G postcodes this would find things in those places useful too.
I suppose using those details makes it more personal to you and the area your living in to what offers are available near you. Butā¦. Hurry up and roll it out to us who donāt have the cash back. Iām going to unfollow this link as itās clearly not offering us another chance to sign up. Iāll just use my cashback credit card and await for Monzo to roll it out to the rest of us bottom feeders haha
Wouldnāt there be a āhappy mediumā for the postcode sharing part? Maybe by allowing device location to help determine offers. National brands should show though. Just because I might live 100 miles away from an IKEA, doesnāt mean I canāt shop online. (Example, not real)
What if iām on holiday in London,. or Edinburgh? Brand based there should be shown to me while iām there even though I live in Manchester.
Instant notifications about the cashback is good, but the delay for withdrawl seems like a step backwards and moves the cashback feature to be more like other cashback providers (like Cheddar/Airtime Rewards). The wording of the notifications will be key, as well as showing the āavailable to withdrawā cashback balance separately to the āpending cashbackā balance.
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if you have pending cashback, itāll look something like this (these are mockups and not real offers!)
Notification when you earn cashback (this will still be instant)
Upcoming cashback in the Cashback Pot
More details if you tap into it
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Why will you? 
V has made it clear that, for now, those of us receiving instant cashback will continue to do so.
I think the key is the instant notification of cashback, thatās something I find really irritating and openly frustrating with other cashback providers. If it takes a few days to clear, thatās fine, itās better than waiting months (and even years!!) with some other providers.
35 days is longer but again the instant notification makes me less bothered, although I still hope offers of this length are fewer and further between
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So we wonāt experience what she described in her message and whatās depicted in Ianās message above?
It displays instantly, but isnāt able to be withdrawn as itās pending ?
Will tapping on each of the upcoming transactions show how long is remaining before the cashback becomes available?
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So itās not the instant cashback youāll miss, but the ability to withdraw instantly 
Personally, I donāt see the point in withdrawing the odd pence as it comes in, though I see many posts on forums of people who do exactly that.
My issue would be for those who have to wait for it to actually appear in their cashback pot to start with, as how do you track all due has been paid?
Thatād be my issue with algbra, but I donāt concern myself over pence. Lifeās too short 
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For me, if I canāt access the money instantly itās not instant cash back. I havenāt instantly had that cash back, Iāve instantly had a notification.
For larger offers and purchases like the argos offer last month this is where this offering excelled over other providers.
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Just to clarify:
- If youāre currently getting instant cashback then, for now at least, youāll keep instant cashback (where you get both the notification and the money instantly)
- For anyone new joining cashback, youāll get āpendingā cashback and will see the experience I shared earlier (where youāll get the notification instantly, see āupcomingā cashback at the top of the feed instantly, and a few days later itāll become a deposit into the cashback pot)
In all cases (subject to us taking cashback back if you get a refund later), once you see a feed item with the green money amount, the cashback is in the Cashback Pot and can be withdrawn immediately.
Weāll try to make this as clear as we can, but because itās linked to the merchant collecting the payment from your account, itās difficult to give an exact time - in most cases itāll be 2-4 days, occasionally quicker and occasionally slower (but donāt hold me to that!)
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So can we expect the new reward providers from the 9th november?
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Okay so it is what I thought then. You have to wait until itās cleared before you get the cashback.
I guess itās fine; though has the trial shown much in the way of cashback being issued prematurely? Iām curious if itās being made this way with evidence behind it.
Personally itās not a big deal or a deal breaker but I hope you realise that instant cashback really felt quite special, easy and fluid. It would be your real stand out marker in the area.
And yes, I know itās not a lot of cash, and I know itās not a big deal to wait, but itās the feeling of instant cashback update that just made it different, and to my mind, better.
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I still think of the Cashback as instant if itās happening on the transaction settlingā¦ Because youāre getting it instantly on actually paying. And to me thatās right, because thatās when the cashback is actually yours. If itās a failed/instantly reversed transaction and you get the Cashback paid at the time of transaction youāve effectively got to pay it back when the transaction Auth drops off. To me that just doesnāt make sense to owe something which was never yours.
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These look clear to me and was exactly how I imagined it would look.
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For me, using my registered address would be a little odd as I work in a different city during the week. Whatās the point of all the offers in London (where my home is) when none of it even has any branches in the West Midlands (where I work at the moment)
What we should have as tailored offer is to look at the postcodes where we are using the card, which Monzo would have that data anyway.
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I agree should take account of home address and where the card is used for offers. Granted how to take account of phone or internet orders, though the meta data should be there.
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To be fair to Monzo, they get slated when offers are too āLondon centricā and donāt represent the local area of all customers, and they get slated when they actually try to do something about itā¦
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But are they doing something about it beyond potentially hiding offers from far away shops? Itās not clear. If they donāt replace them with an alternative local offer then why bother.