Are you ready for an exciting and interactive game? Today, I bring you a thrilling challenge called “Create Your Perfect Monzo Account!” In this game, you have the chance to build your dream Monzo account by choosing from a list of amazing features. The goal is to select the features that resonate with you the most and create the ultimate account that suits your preferences.
To add a bit of spice to the game, we’re introducing a points system. Each feature will be grouped based on the corresponding points it carries. Your task is to create your ideal Monzo account while staying within a specific total number of points.
Here’s the list of features, grouped by their corresponding points:
1 Point Options:
1% cashback (£5 max cashback)
Manual “connected” accounts
2 Points Options:
3% cashback (£5 max cashback)
5% on roundups
Single-use virtual cards
Native savings challenges (no IFTTT)
Purchase protection
Flex credit card purchases
See your property value in Monzo
Future payments/balance forecaster
4% savings account
Automatic salary sorter
Net worth tracker
3 Points Options:
Weekly coffee (Greggs or Nero)
5% cashback (£5 max cashback)
Connected accounts
Automatic get paid early
Free Railcard
Free airport lounge access (4x/year)
Flex credit card purchases
6-month interest-free Flex
easyJet benefits (1x cabin baggage, reserved seat, priority boarding: up to 4 flights a year)
Bills pots with 3.4% interest
4 Points Options:
Netflix subscription
Amazon Prime subscription
Personal travel insurance
Personal mobile insurance
Credit tracking from all three CRAs
5 Points Options:
Spotify subscription
Apple Music subscription
Disney+ subscription
VPN subscription
Personal Breakdown cover (UK and Europe)
6 Points options:
Family travel insurance
Family mobile insurance
Family breakdown cover (UK and Europe)
Your challenge is to create your dream Monzo account while staying within a total of 20 points. Select the features that excite you the most and ensure their total points do not exceed 20.
So, let’s dive in! Share your dream Monzo account with us, ensuring your total points do not exceed 20. Remember to have fun and strategize your choices wisely!
Note: This game is purely for entertainment purposes and is not officially affiliated with Monzo.
Happy gaming, Monzo Community!
Courtesy of ChatGPT. Credit for allocation of points values and the game goes (largely) to our AI overlord. But let’s play anyway.
*I’m obviously trying to play the system with 9% cashback, although up to £15 might not be worth it long term as the 1% cashback with Chase is only to £15. If it didn’t stack, then my play wouldn’t work.
**Would be well worth it if Amazon Prime Delivery. If just Prime Video, erm… not.
1% cashback (1)
5% on roundups (2)
Single use virtual card (2)
Purchase protection (assuming extended warranty, not insurance!) (2)
Balance forecaster (2)
Automatic Salary sorter (2)
Connected accounts (3)
Automatic get paid early (3)
Bills pots with 3.4% (3)
That’s 20. I’d pay a fiver for it. Assuming I retain what already exists with plus too. Like the other virtual cards, the overarching interest, better/no fees for fee things etc.
How would this even work? Would Monzo send round 1-3 estate agents a month to give you an accurate valuation? Otherwise it could be waaaaaaay off, especially if it’s a paid feature.
Also I thought we decided in Plusv1 that pick’n’mix a good packaged account does not make. Everyone will have wildly different ideas of what they need and it doesn’t lead to economies of scale.
I didn’t really want to reopen that argument. The point is to have a bit of fun and to see what folk prioritise. (In the unlikely event Monzo was looking at this for research, I’d have thought that it would be a starting point to see what folk gravitate towards, and the sort of combos they pick, rather than assuming that everyone wants a pick and mix).