What would
In your opinion? Coz I wanna get that too haha 
May I ask why you would struggle without location data? Genuine question.
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I think they can be interesting for looking back at purchases. For example, if I go onto Natwest currently, and look at a transaction it tells me the following āuseful infoā 084433251075GB.
If I had the same on Monzo, chase etc - I can see which Sports direct store it was.
I think Iām just so used to having them now, not sure I would want to bank somewhere that didnāt do that.
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Itās not a savings account, someone posted previously, itās a current account as with the others, just with an interest rate attached.
Think Monzo Premium without the Ā£2k cap 
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Oh, I appreciate the fleeting interest, you just said youād āstruggleā, so wondered why.
I personally donāt see the use of knowing whether I went to the Big Tesco or the Little Tesco.
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Itās marketed as an easy access savings account, and the terms read like one too. You canāt spend from it, or assign the debit card to it. But you can have direct debits come out of it, which is their own unique feature. Itās not a current account at all.
The limit on the amount of savers you can have is both different and separate from the number of current accounts you can have too. (10 vs 15, and if you wanted you could have 10 savers, and 15 accounts totalling a maximum of 25 accounts so far).
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I mean the distinctions are fairly arbitrary these days.
I do appreciate being able to pay direct debits from it, but part of me thinks being able to resign the card, Curve style, to the interest bearing account would be kinda cool.
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Agreed. But then it wouldnāt be a savings account, itād just be an interest bearing current account.
Iād actually like and prefer that though. Especially as distinctions between the two are slipping.
Thereās certainly an argument in favour of segregation too though, but the nature of the card would still provide that for those who choose it.
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I considered this but if Iām going through that faff Iād rather put it on my Amex and be able to see it in the Monzo app.
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I genuinely donāt understand what they do thatās different. Could you elaborate on this point?
Didnāt know the spending bit,
Iāll go back to my cave
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Are you not already having to deal with that faff with the categorisation and tagging anyway?
Itās largely why I donāt bother much with those features. Too much admin for me, and Iād always be changing how Iād categorise things in an effort to refine my approach. With no retroactive changes, I just settled to let the bank categorise them for me and deal with them that way.
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Nope. I have one pool of money in one current account and most vendors are already preemptively categorised.
The physical card has its own number which is separate from the virtual card number in the app. It covers the privacy use case of virtual cards in Monzo Plus, which is the more important use case for me.
The virtual card details in the app means the physical card is never compromised and I can continue to use it, without needing it replaced, if thereās an online breach. And like with virtual cards, you can regenerate the virtual card number in the app and keep spending.
If the physical card gets skimmed, your online details are safe.
You can also use the accounts to set up a firewall, similar to having your dodgy shops card linked to an empty pot. When youāre not spending, you just assign your card to an empty account. Any attempted fraud would then fail unless itās an offline transaction, same as the Monzo virtual card.
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I have virtual cards with Monzo and youāve described how I use them already. I donāt use my physical card details anywhere online.
So I guess for me, and my use case, itās not revolutionary.
Right, but theyāve approached it differently. They didnāt just copy what the fintechs before had done, which was my point.
Having used both, for the privacy use case, Chaseās solution goes further, is more elegant and involves less friction. Itās also free.
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But a slightly different approach to virtual cards doesnāt feel revolutionary to me. To change banks I would want some big new feature that someone else isnāt doing. Not just moving around the same idea. Thatās what I mean by revolutionary.
I was with HSBC for years before Monzo tempted me to move with all their different stuff.
Basically for me itās not worth the inconvenience of moving banks unless itās really going to improve my finance management. Chase doesnāt do that for me personally yet.
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Forgot to add; I canāt remember the last time I used my physical card for it to get skimmed. I use Apple Pay. So it feels like they missed the boat.
And didnāt the Apple Card have that approach first?
To me, an approach that results in removing all the sensitive data from the physical card is a revolution in privacy.
I donāt want you to get the wrong idea here, either. I love Monzoās virtual cards and Monzo plus in general. I think the way theyāve been done is fantastic. But when it comes to your card privacy, itās more an evolutionary step than a revolutionary one. Chaseās approach is what takes this to that next level for me.
Yep! Thatās why I described it as:
Same, but itās not available everywhere yet. Thatās the long term solution, I think. Both for privacy, and the environment. Iāve long been advocating to ditch the physical card completely by default, and instead to go all in on mobile wallets. But I think weāre going to need to see contactless ATMs in the U.K. before thatās a reality. Then of course thereās the issue with travel, and countries that lack this infrastructure.
Weāre not there yet, and wonāt be anytime soon, but I hope itās where we end up. In the meantime, a card with no numbers on is the best option for privacy.
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Yeah that makes sense and comes down to our personal privacy expectations/tolerances.
I donāt use my physical card anywhere so if it was stolen or compromised I wouldnāt be bothered by having to request a new one from the bank.
When my Amex was skimmed last month they updated my Apple Card version immediately to my new card number.
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