# Bó (Natwest/RBS challenger brand) chat **URL:** \ **Category:** Fintech Chat\ **Created:** [19 March 2018 19:24 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831 "2018-03-19T19:24:05Z")\ **Posts on this page:** 20\ **Page:** 15
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [31 October 2019 17:18 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/298 "2019-10-31T17:18:03Z")
Yeah just spotted it. Getting spoofed warning on that bo.money. SPF/DKIM pass, DMARC fail 🤨 ![Screenshot_20191031-171637](https://global.discourse-cdn.com/monzo/original/3X/b/7/b7f779af6227534dde13138d4bf87b1bf5ab0f6a.png) ---
**Author:** ![Lewisoc](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/lewisoc/32/90219_2.png) [@Lewisoc](https://community.monzo.com/u/Lewisoc)\ **Post date:** [31 October 2019 22:19 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/299 "2019-10-31T22:19:30Z")
Been using the card last few days now! I really like it! ---
**Author:** ![TTJJ](https://avatars.discourse-cdn.com/v4/letter/t/5f8ce5/32.png) [@TTJJ](https://community.monzo.com/u/TTJJ)\ **Post date:** [31 October 2019 22:21 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/300 "2019-10-31T22:21:57Z")
Can you share a few screenshots of the app? I’m interested to see. ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [1 November 2019 06:45 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/302 "2019-11-01T06:45:01Z")
Can you give a couple of ‘for instances’ about why you like it please? ---
**Author:** ![riceuten](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/riceuten/32/115451_2.png) [@riceuten](https://community.monzo.com/u/riceuten)\ **Post date:** [1 November 2019 13:59 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/303 "2019-11-01T13:59:33Z")
Just added m,yself to the waiting list (!). Should be interesting to see what their full offer is, ex-Beta ---
**Author:** ![Demmedelusive](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/demmedelusive/32/62464_2.png) [@Demmedelusive](https://community.monzo.com/u/Demmedelusive)\ **Post date:** [1 November 2019 14:27 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/304 "2019-11-01T14:27:55Z")
Hi @Lewisoc What are you using it for? ---
**Author:** ![Lewisoc](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/lewisoc/32/90219_2.png) [@Lewisoc](https://community.monzo.com/u/Lewisoc)\ **Post date:** [1 November 2019 16:01 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/305 "2019-11-01T16:01:07Z")
I’m just currently using it to test it out and see what it’s like Also as I don’t currently have a visa card (just Monzo and credit cards) The Bó website is live now with screenshots ---
**Author:** ![Chapuys](https://avatars.discourse-cdn.com/v4/letter/c/e9a140/32.png) [@Chapuys](https://community.monzo.com/u/Chapuys)\ **Post date:** [1 November 2019 16:11 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/306 "2019-11-01T16:11:25Z")
It just has one image of the app unless I just can’t see the page with each section listed? ![image](https://global.discourse-cdn.com/monzo/original/3X/0/2/02ec02c5a7c6408fa279665204bc55595b082e51.png) ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [4 November 2019 13:51 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/307 "2019-11-04T13:51:44Z")
UI not at all nicked from starling 😆 👀 Looks promising though, moves like this really do make me wonder how much legs monzo have left. May have been mentioned, but apparently RBS looked at acquiring monzo but went down this route instead ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [4 November 2019 14:12 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/308 "2019-11-04T14:12:16Z")
> [@JIMMWX](#): > > UI not at all nicked from starling 😆 👀 Well they do have a 🤝 in helping NatWest so I would expect it to could look a bit similar. Does anyone know if Starling are helping with interface or just backend? ---
**Author:** ![Lewisoc](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/lewisoc/32/90219_2.png) [@Lewisoc](https://community.monzo.com/u/Lewisoc)\ **Post date:** [4 November 2019 17:26 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/309 "2019-11-04T17:26:18Z")
App won’t let me screenshot unfortunately ---
**Author:** ![Chris7](https://avatars.discourse-cdn.com/v4/letter/c/439d5e/32.png) [@Chris7](https://community.monzo.com/u/Chris7)\ **Post date:** [4 November 2019 18:06 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/310 "2019-11-04T18:06:00Z")
Take a photo using another phone… ---
**Author:** ![Sachaz](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/sachaz/32/28064_2.png) [@Sachaz](https://community.monzo.com/u/Sachaz)\ **Post date:** [5 November 2019 09:33 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/311 "2019-11-05T09:33:17Z")
I’m trying to get where RBS are coming from with Bo, do they want people to switch, or are they happy to just have it as a spending card? Lots of the ideas behind Bo look good, but I don’t want another spending card. ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [5 November 2019 10:41 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/312 "2019-11-05T10:41:31Z")
> [@Sachaz](#): > > do they want people to switch, or are they happy to just have it as a spending card? Bó addresses that on the front page of the website. Couldn’t be more obvious. ---
**Author:** ![alexs](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alexs/32/2443_2.png) [@alexs](https://community.monzo.com/u/alexs)\ **Post date:** [14 November 2019 16:47 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/313 "2019-11-14T16:47:15Z")
The app’s in the App Store now (not sure if it was TF only before) - > ---
**Author:** ![Addzy](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/addzy/32/47047_2.png) [@Addzy](https://community.monzo.com/u/Addzy)\ **Post date:** [14 November 2019 16:50 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/314 "2019-11-14T16:50:25Z")
Those cash withdrawal fees are a real dealbreaker, I hate cash and rarely carry it but that would make me think twice about these guys ---
**Author:** ![BritishLibrary](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/britishlibrary/32/97251_2.png) [@BritishLibrary](https://community.monzo.com/u/BritishLibrary)\ **Post date:** [14 November 2019 17:35 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/315 "2019-11-14T17:35:05Z")
Oof, A bit painful those fees. I don’t think I’d use Bo on the back of that to be honest. And a £5 fee to replace your card more than twice? Even for damage… most cards I’ve ever had that get anything more than occasional use end up cracking down the mag stripe long before the expiry date. ---
**Author:** ![tobyadams](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/tobyadams/32/101367_2.png) [@tobyadams](https://community.monzo.com/u/tobyadams)\ **Post date:** [14 November 2019 17:39 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/316 "2019-11-14T17:39:25Z")
The AppStore link for anyone interested: > **[‎Bó Banking – Do money better](https://apps.apple.com/gb/app/b%C3%B3-banking-do-money-better/id1453695899)** > > ‎Use Bó to manage your everyday spending money. You’ll get to know your habits, you can create a budget you can stick to and start saving little by little. > > We’ll help you keep on top of your money and make it stretch. There’s no need to switch... Looks good! ---
**Author:** ![kolok](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kolok/32/46634_2.png) [@kolok](https://community.monzo.com/u/kolok)\ **Post date:** [14 November 2019 17:57 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/317 "2019-11-14T17:57:29Z")
Can’t comment for certain but when I’ve seen these kind of fees they’re just for stopping abuse and are rarely enforced. For example Barclays charge £6 (officially) for replacing those pinSentry devices but never actually do ---
**Author:** ![kolok](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kolok/32/46634_2.png) [@kolok](https://community.monzo.com/u/kolok)\ **Post date:** [14 November 2019 18:27 UTC](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831/318 "2019-11-14T18:27:12Z")
Looks like it’s an open beta now, I could sign up. This is the I.d. verification , no screenshots allowed so bad quality pic ![IMG_20191114_182005](https://global.discourse-cdn.com/monzo/original/3X/5/f/5f6e7b980072c3286bed456d669a1f5982cae57e.jpeg) A word of note, seems to be buggy , I uploaded my license and it said a minute later that I had to upload my ID still and didn’t give the option of a license (only passport etc) , about 10 minutes later I got a text that my card is on the way, and after swiping the app shut and reopened it skipped to the next screen. Max payment is £1k and no more than 5k in the account at a time. Missing information like how many free cash withdrawals you have left, no fingerprint unlock, no DD or standing orders. And they text you your pin, ask you to memorise and delete. Maximum payment of 1k is a shame as for rentals they can pre auth 750-1k. [Previous page](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831.md?page=14) [Next page](https://community.monzo.com/t/bo-natwest-rbs-challenger-brand-chat/34831.md?page=16)