To be fair I think it’s important that Monzo take on board all views, across the spectrum and @anon14264796 performs an important part in some discussions in bringing the required balance.
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Thank you! This is getting beyond a joke.
Agreed 
we’re not here to censor anyone. It’s important as admin that we support constructive and inclusive exchange of ideas and opinions, in an environment that every member of the community feels happy and comfortable contributing to.
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Sorry, but if you’re repeatedly told you’re being aggressive in your views then maybe you should take a look at how you’re coming across.
Not saying your comments aren’t a required part of the discussion but the tone is, at times, very forceful and aggressive. That may not be your intention but that’s how it appears to me and, it would seem, others on this forum.
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There are hundred thousand Monzo users I have had a few people say they don’t like my comments! I do not need to be told I am free to comment once again please put your ego away. My opinions are just as valid as anyone else’s. You only mention that I state I find His comments are irrelevant, you make no reference to his comment about how he finds my posts. I have no interest nor do I agree with your opinion but I still believe you have the right to make it, no I’m not going to entertain your ego any more I have A business to run
Just wanted to clear something up - according to @anon73527829 (above) Loot does not currently support Apple Pay - nor can you top up with it.
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No that’s true as I stated but they have told me it will be here very soon, I have only a couple of hundred pounds left to withdraw cash from Monzo, Loot do not have these small limits and I’m not a hater of Monzo I love the product in general, I just do not like the card colour , and the fact that my annual cash withdrawal limit is at an end, therefore I major functionality of a bank account is unavailable, they say this is for fraud? So why are other card providers limits not a small? It’s all about card transactions as opposed to the nonprofitable cash withdrawals at ATM. In my opinion, but sometimes the truth is the little shall we say “massaged” ? But when we have Apple Pay that will become an irrelevance as I won’t have a need to get the card out ever, whatever the colour or design.
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You did say this initially in response to me - I assumed you were referring to Apple Pay so I wanted to clear that up.
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All I know is that with Loot I can send money to any bank account in the world, I can receive money from any person in the world, I love the card design, the limits are not ridiculously small so as to force you to use your card for purchases rather than For cash … my money is as safe with this company at the moment as it is with loot, but we have not had any money stolen from our Monzo accounts have we? We are told especially by (with the greatest of respect ) investors that the card is beautiful and you should use it, that is because commissions are earned from card transactions whereas ATM withdrawals actually cost Monzo money, more so than a High Street bank that he is a member of the link network , for those banks the customers using their ATMs from other banks evens up these costs, this puts companies like Monzo which do not have their own ATM machines at a loss, so sometimes I feel in my opinion I am being manipulated by people whose motives are less than impartial. The point is that currently loot offer everything I need. I do not care how they did it, why they did it, but the fact that they have done it before Monzo means that my second airy bank account is now Loot. Not Mondo well I only have a couple of hundred pounds left to withdraw of my annual limit, yes yes I know as we are repeatedly told the world will change once we have an account number and the sort code, well we already have that Loot? How did they manage it? I believe in integrity, transparency, and more than anything honesty. And I do not like the manipulation of the facts to pander to a certain status quo
Are you really asking how did they manage it? They are piggybacking off an existing banking licence so did not have to go through the arduous process that Monzo are having to go through.
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Not really I’m not interested and that is the point, I don’t care how they did it as long as they did it. The first one to market with all the products and services that people like are generally the winners and the market leaders. But I appreciate your opinion
OK so by that logic, please tell me what Loot do that is so much different from High Street Banks?
- Nice Card
- Good Customer Service
- Loot Savings
I don’t disagree with your point that in some cases the first to market with the products customers like are the winners, but my 10p worth is that Loot further down the line will not be able to innovate and do much more than they are already doing due to not having a banking licence and plugging into somebody else’s infrastructure.
If all you want is already being provided by Loot then why are you here for the journey?
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In a lot of cases, that’s correct. But it’s also crucial that the product is right, Myspace (& numerous other social networks before them) were ahead of Facebook & gained significant market share. But Facebook figured out identity & all the other features we know & love so they came out on top.
It’s also worth bearing in mind that it’s still very early days for both companies. Tom’s said that in order for Monzo to have significance in the marketplace, it needs to have 1m users so it’s got to grow to 10x the current size & it’s a very long way from the ultimate goal of 1bn customers. Obviously Monzo is also establishing the foundation of the technology now too so it’s not really worth worrying about gaps in the product offering.
I appreciate the fact that Loot might have all of the features you want right now but I’m not concerned that Monzo not having those features yet, means that they won’t come out on top.
Also, following on from James’ question
the fact that someone as busy as you must be (no sarcasm), you’re spending a lot of time in the Monzo community. So perhaps you’re rooting for Monzo a little bit more than you’re letting on? 
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Has this turned into a boasting thread about how money each of us has now? I’m not comfortable with that.
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Yeah this has gotten totally off topic.
This was a useful thread that people could post updates about monzo competitors but it’s been completely derailed into another thread about Apple pay, Card color and personal stories.
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Every single thread seems to be used as a chance to flog a dead horse over the Monzo card colour 
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Not sure wether Natest can be considered and competitor, but they’ve started to provide some more information about transactions and from what company they may be from.
Obviously nothing like the Monzo merchant data but progress.
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Like I say the competition is fierce…
Shows how unpopular only having one choice of colour is ( especially such a risky colour as hot Coral ) to a third of Monzos customers . Going by a recent snap poll. So that’s roughly 33k out of the 100k customers who dislike like the card. Maybe some one should
Start paying attn to the wants of theirs customers or your investment may fail as people leave for a service where the roadmap has customers wants or
Needs taken into consideration .
I agree. While Tom has said that Monzo will be keeping the hot coral card, AFAIK no one’s said that, that’s the only card color that Monzo will offer.
Given the fact that Hugo’s asking users about customisation options -
& tweeted about a Japanese company that offers 30+ card colors on Twitter -
I think we can safely say that additional options are being considered 
So to avoid repeating ourselves & to keep the thread ‘on topic’, why not leave the card colour conversation there & switch the focus on the chat back to news / discussion about other aspects of competitor’s offerings?
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