I don’t need anywhere near 20 points and so much of that list is gimmicky I think, lots for the sake of it.
I’ll take some free cashback but £5 max probably means the package is costing me triple that!
What I really want is custom categories on joint accounts. Given that custom categories were the most requested feature before they were implemented on the personal account, it’s astounding that they can’t be bothered to do this for the joint account.
But to play along with the game:
2 Single-use virtual cards
2 Automatic salary sorter
2 Net worth tracker
4 Credit tracking from all three CRAs
= 10 points
Similar to @revels, I don’t need all those points. And all mine are actual features, because that’s what I want and I think Monzo should focus on building - features in their own app that are differentiators, over a melange of other companies products at a dubious discount.
But custom categories on joint accounts. Get on with it.
Weekly coffee (3 points)
Connected accounts (3 points)
6-month interest-free Flex (3 points)
easyJet benefits (3 points)
Amazon Prime subscription (4 points)
Credit tracking from all three CRAs (4 points)
If they were to do packaged accounts with some of these features it should be like this - choose what you want most. That way everyone would be paying only for features they want (airport lounge access isn’t any use if you don’t fly, for example).
That would really set this apart from anything else available! Would make it much better than Chase (and means more people might take their money away from JPMorgan!).
FWIW I’d choose:
5% on roundups (2)
4% interest (and make it so all pots earn interest) (2)
3% cashback (2)
Free railcard (3)
Connected accounts (3)
Bills pot w/ interest (3)
Apple Music (5)
I’d pay £12/mo for that.
This is what they tried (and failed) before but also “Pay for what you use” doesn’t really work because you need people to subsidise others.
You’d take all that for £12? Apple Music is £9.99 on its own!
I’m sorry but that costs 100 points
I’ve asked the robot:
To determine the number of points it would cost to have a joint account with feature parity, including virtual cards, pay from pots, and custom categories, we need to assign point values to these features. Since the original list of features and their corresponding points was not provided, I’ll propose a point system based on the complexity and value of these features in the context of a joint account:
Virtual cards: 3 points
Pay from pots: 2 points
Custom categories: 2 pointsConsidering these point values, a joint account with feature parity including virtual cards, pay from pots, and custom categories would cost a total of 7 points.
Please note that the point values I assigned are subjective and based on general considerations. In an actual game or official setting, the point values may differ or be determined by the organizers.
Interesting game, let’s get straight to it!
To be honest my picks just feel like what you should get for the £15 a month premium account aside from the amazon prime subscription, that’d be a luxury (I’m talking full next day delivery subscription).
I forgot this was on the list and kinda assumed it was table stakes when I did mine.
But yeah, a fundamental and essential option!
I could not care less about it. It’s of absolutely zero benefit to me.
Do you only bank with Monzo? I hate my other bank’s app so being able to do everything in Monzo is a dream
Move to monzo? 
I’m definitely working towards that, I have a 5% savings account and get a bit of money every month for having a couple of direct debits and a mortgage (which I’d still have to have the app for) linked though so considering I don’t have to really open the app more than once a month it’s not a big deal to keep it since I can do everything else I need in Monzo
Okay, I’m redoing this because I forgot about connected accounts which I cannot live without.
Here’s my revised list:
Harder than it seems…
I wonder how people would do this if the points were £
I have some clarifying questions for the AI if I may;
Do everything on this Monzo and take my money 
Zoopla has an API. The average customer has 38 friends in Monzo. Combine to two and let me see their house valuations in my Plus account 
5% cashback - 3
Connected accounts - 3
6 months interest free flex - 3
Flex credit card purchases - 2
4% savings account - 2
Manual connected accounts - 1
Property value - 2
Not really fussed about the last four points so any of the 4 point options will do. Depends on the terms of the insurance I guess.
I think my decision would definitively be the following;
6 months interest free Flex (3)
Apple Music subscription (5)
Personal mobile insurance (4)
Single use virtual cards (2)
EasyJet Benefits (3)
Free Railcard (3)
I don’t need lounge access or travel insurance as it’s included with one of my credit cards so this is purely to save me money when I travel and bring down the normal monthly payments I would make to Apple Music and phone insurance!
Probably for the best that I don’t make a decision that will change the benefits for Premium for everyone otherwise 99% of people would cancel immediately with my choices
Thanks for the fun game though!