Constant "you need to replace your card" notifications

UK Feedback & Ideas
1

Hi,

I’ve been with Monzo for almost 9 happy years but past few months i’ve been getting this pop up daily(sometimes multiple times per day).

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I have no interest in monzo perks (only lost monzo plus because i missed a payment - would happily rejoin if i could), i am perfectly happy with my current card.

i don’t want a new card.

Constantly sending out new plastic cards is bad for the environment too!

please consider letting us keep our current cards at least until it expires (i don’t have the patience to update all my subscriptions and details everywhere) without these constant notifications - it’s honestly ruining the banking experience

thanks,

a increasingly frustrated monzo user

2 Likes
2

Fancy cards are a perk of the paid accounts, so if you cancel it or Monzo cancel your paid account you lose the card

This won’t change so either keep ignoring it or just order the new card

6 Likes
3

It’s a card you’re no longer entitled to.

Replace it or deal with it.

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4

In which case Monzo should automatically send a new card and give notice that the old card will be cancelled after so many days.

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5

the perk is no longer available.

the constant notifications aren’t necessary.

7

Doesn’t matter, that card is still part of the old Plus account

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8

You agreed to this when you signed up to perks.

Your options are:

  1. Keep fighting the system and being annoyed by the alerts
    Or,
  2. Order a new card, as per your agreement, and then you’ll live in peace.

You cant be that concerned over the environment otherwise you wouldn’t have chosen to swap your card when you paid for perks.

3 Likes
9

I think you guys are really crazy about the exclusivity of this card. It’s just plastic. If Monzo is going to replace it, they should issue a new card with the same details and the non-‘premium’ design.

If they can’t, it’s too much hassle for the regular customer to have to update everything for this and it’s a waste of resources.

I get that everyone wants to be part of a club and that OP signed up for those terms - but some things are stupid regardless of if you agree with them. Being so in OPs face about a plastic card is one of those things that are stupid.

10

That’s what virtual cards are for, which is what comes with Perks :person_facepalming:

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11

Gatekeeping both virtual cards (free at several other banks with better products, money wise) and a shiny card (more understandable but still stupid) is funny but sad. There is something to be said about generalisation but this thread isn’t giving me hope that people have good money sense.

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12

I don’t think you understand what gatekeeping means.

People want the things that Monzo make people pay for, they have millions of paying customers. Not everyone penny pinches.

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13

There’s penny pinching and there’s paying for a free service.

Paying for something you get for free somewhere else (actually, at this point I’d say virtual cards are standard. even RBS has them now) is daft, no matter how you spin it.

I get millions of people finding value in other services Monzo provides (none particularly appeal to me because they’re oddly specific, like railcard(already have, most aren’t really eligible solo) and I think some are useless (Assurant) but if anyone is solely paying for virtual cards, I think someone needs to think long and hard about life choices.

14

Do you drive between Tesco and Sainsbury’s and Asda to save 50p on each different item?

£3 a month to have something you want, where your money is, is worth paying to some people.

(I think virtual cards are a pointless gimmick anyway)

3 Likes
15

Convenience has a value. If you would prefer everything to be in one place, and there is a cost associated with that, then it’s perfectly justified to pay that cost.

I wouldn’t pay for any Monzo feature, personally. They couldn’t pay me enough to use them.

3 Likes
16

No; but it’s not really the same equation. I am already likely at one supermarket and the other one likely requires an investment of my time and fuel, which to buy one or two items is going to get expensive.

I also won’t know which is cheaper until I actually get to the shop and look at the offers they have on. Nothing is a guarantee.

The UK is a very banked country. A lot of people have bank accounts. I’d wager a decent amount already have access to virtual cards. Those who don’t could have access to them within 5 minutes at 0 cost with no potential downside.

Or they could pay £84 a year for the privilege? If their head needs a wobble to get the silly thoughts out anyways.

17

*£36

And you get more than just virtual cards on any tier.

I pay so I get the google sheets export. Do I need to wobble my head and instead download a CSV after every transaction?

1 Like
18

Also worth remembering that just having access to Virtual Cards doesn’t necessarily mean that they offer the same functionality. NatWest/RBS Virtual Cards don’t support spending from pots.

I believe that Monzo supports this? I wouldn’t know.

2 Likes
19

And Starling, maybe Revolut but not 100% sure

20

My bad on the price misquote, I didn’t see virtual cards anywhere during my extra trial (Monzo has thrown two at me, tbh I probably ignored the virtual cards that were shoved in my face) so I thought it was a perks thing.

That’s true, I would actually pay for a split off credit report app that has a nice design and supported the 3 agencies. I nearly paid for Monzo Extra but then one dropped off.

I think it depends on the value added from the sheets export. Personally I use YNAB and just have the direct link via Open Banking. No need for CSV.

Revolut can link to pockets. Revolut cards are probably the most flexible from any bank. Can change them across currencies (fiat and crypto), limit them to pockets, limit their spend

Starling ones can only be linked to spaces. I appreciate the commitment to security but… linking to the main account and setting a spending limit of transactions + leeway on there is probably enough.

This is true, but the feature is widespread enough that everything Monzo is offering virtual cards wise, is free. You’d probably make a bit more money from the interest at new bank too.