I just received an email from Monzo asking me to upgrade to a Monzo current account this is included:
If you’re thinking “I really like my card as it is”, don’t fear. You can upgrade and then continue to use your Monzo account in exactly the same way. There are no hidden fees and no overdraft if you don’t want it, so nothing needs to change at all.
The message here seems to go in a different direction than these threads and blog post:
- Topping-up current account
- Reducing the cost of debit card top-ups
- (monzo-base-url) + /blog/2017/12/01/top-ups-are-back/ (sorry, can only post two links per thread)
It feels like Monzo is pushing this message strongly:
Monzo is much better if you get your salary paid directly into your account.
What has prevented me from upgrading yet is that I am not ready to have my salary paid into my Monzo account. I use (or at least try to use) my Monzo card for everything, but I top up my card regularly using the in-app Apple Pay topup option.
I understand that toptups are costly for current accounts, that’s why I’ve been hesitant to upgrade so far.
Will I really be able to use my Monzo card in the same way without extra fees if I upgrade? What should I trust? The email you sent me or the community threads and the blogpost?