One doesn’t need to report basic accounts to credit agencies without credit lines.
Same way that savings accounts, ISA, investment accounts are not reported.
If thats the case then why does my monzo account be reported when i dont have an overdraft?
Monzo Credit Card with a good points programme…I would swap my AMEX for this! 
Stocks and Shares ISA too please! 
2 Likes
Current accounts are reported, but with a £0 balance
1 Like
You don’t have overdraft, but you do have a credit line. As Monzo current account can go into unauthorized overdraft.
Only averse / credit information needs to go on CRA reports. If there is none, in general, one can opt out of reporting.
Love Virtual cards, but it would be great to lock a card to a specific vendor, that way if the vendor was compromised then it would not work. This would of help massively with big data breaches like the ticketmaster breach.
1 Like
This topic was automatically closed 180 days after the last reply. New replies are no longer allowed.
Just for @N26throwaway 
3 Likes
Google Sheets Improvements/fixes
Virtual card round ups
Direct debit round ups
Pot to pot transfers
Pay Monzo Plus/Premium from a pot
1 Like
Looks like the top 2 have been delivered (in one form or another), so that’s pretty good.
Dark mode to make it a trilogy
Building on this. I’ll add it to the wish list. Pots may not have account numbers, but there could be creative ways around it, using the payment reference.
I could send a link with the reference as the name of my pot, for instance. When someone sends me the money with that reference, it goes directly into the pot.
3 Likes
I’ve long wanted this.
Traditional banking paradigm would be to use roll numbers - building societies do that a lot.
For Pots I’d much rather something elegant and human readable, like #PotName.
(Or a rules engine. Please give us a rules engine. Separate app. I’ll pay).
3 Likes