Perhaps I phrased it poorly - what I meant was that the placeholder will be totally separate, but setup in such a way that the app ID, etc is the same so that upgrading over it is seamless.
The real app will obviously be receiving regular updates, etc (but only in the beta testing channels for now).
I think we’re just saying the same thing!
Yes, I think we are - I just thought from your last post that you might have misinterpreted my original comment.
It’s all good anyway, they look to be close to launch which is the main thing! 
I’d be very suprised if these were all available at their launch.
Just on the idea that people might be tempted to switch to Chase because they’re a big US bank ‘too big to fail’, couldn’t you have said the same thing about Citigroup when that first launched in the UK?
Of course, back then (early 2000s?), the Branch Network was key and I don’t think they ever expanded it outside of London (and now they only have 1 branch in their Canary Wharf offices?).
I think now they’ve realigned their Current Account product to be aimed at high earners needing multi-currency type of accounts and wealth management services, but would that indicate what challenges any new entry to the market is going to have? In the US what sort of bank is Citigroup? Is it an ‘everyday’ bank or is it targetted at the higher earners?
Did they launch as a general bank? I always thought it was very specifically aimed at a market.
Yep - I’m sure they definitely launched a (fairly) ‘standard’ current account initially as I used to live in Lewisham and work in Docklands and remember looking into it as I was moving away from my old Lloyds account. I think it had a slightly higher than normal ‘minimum monthly payment into the account’ to qualify but I wasn’t earning that much and I could have got one if I wanted.
Eventually I actually moved to Smile instead so didn’t follow up.
Did you live in Lewisham when Citibank was headquartered there, in the nineties?
Yes, Citi used to offer “normal” accounts in the UK and even purchased Egg in 2007 (for those who remember that brand!)
Yep - I had an Egg credit card and also an Egg FTSE 100 tracker fund 
The first card I ever had with a chip in it (which I don’t think could be used for anything at the time), and the only one I ever had that was cloned (the restaurant where that happened later featured in a local TV news item about card fraud).
You could also choose how your name appeared, so a friend of mine had his name prefixed with Lord.
Egg and chips then 
Sorry. Dad joke as my kids would say.
I’ll get my coat 
Another day, another version. Now v258
Here you go:
I wonder what would happen if we compared the contents of the Chase app to, say Monzo or Starling… 
Had a weird dream that Monzo had been stealthily acquired by JP Morgan and the 4.0 release was actually the Chase Launch.
Probably had too much cheese before bed.
Grabbed the android app. The options are login or join. Selecting join prompts to “click here” and there’s nothing to click. Asking for a code - no idea where the code will come from….
Yeah, same here. It’s still not ‘live’ for the general public. Seems to be only for internal/selected testing. I’d expect it balloons when launched (next week?)
EDIT: just launched the app and the ‘join waitlist’ text isn’t there anymore. Changes afoot.
It’s not just me then 