I feel it’s worth paying for Plus to get the complete picture in Trends with my credit cards. The blue holo card is my favourite amongst all the Monzo cards, too. I also use the Google export and virtual cards, too.
Phone is insured under home insurance and I don’t travel abroad so Premium has nothing extra to offer me.
Makes sense (it was a question for you 
)
I was just interested in why you’de gone for the extra stuff, which makes sense
This was me
Now I’ve just bought an iPhone 14 with Apple Care for less than £9 I’ve just cancelled Premium and signed up for Plus
Just cancelled premium and signed up to RBS Platinum which comes with the top level Green flag which saves me £30 a month on AA plus get the travel insurance and phone insurance
I found this earlier so looks like it’s not likely things will change any time soon
Okay I made the downgrade. I look forward to some exciting changes hopefully to come one day.
I’m kinda in the same boat. I keep Plus because it’s a good way to keep track of my spending habits across all my accounts in one place.
I do wish it had more good value features. Then I’d maybe contemplate going for premium but until then I’m good.
Loool; This made me chuckle, without reading it yet.
The company offering the service asking the question, and answering it as yes 
I’ve had premium for a while, and the additional £120 a year for that over plus is worth it in my situation, as I like to travel regularly and insures my wife’s phone. The additional fee-free withdrawal allowance also benefits me due to travel.
Another feature I do utilise is the ability to see all account information directly in Monzo.
There are lots of accounts out there that do tend to offer more for the premium price tag than that of what Monzo offer. I, however, am a, programmer, and I utilise Monzo’s API to retrieve my transactional data into my own application. I haven’t looked for a while, but I don’t believe any other banks with good paid-for accounts offer a public personal account API. I do the same with Starling business account, and another Starling personal account. Starling do not offer a premium account, though.
So, for me, I’m a little stuck for choice. For others out there, I am sure there is a huge array of options to choose from. There certainly was when I last looked.
A side note to finish on is that Monzo’s service doesn’t seem to be what it used to be. I haven’t had the need to message them for a while, until about a week ago. I asked a question which was then passed onto five different support agents. Each time it was, I was told they couldn’t answer the question, and that they will pass it onto the relevant specialist. Each time, it was clearly not the correct person.
Do you also pay elsewhere to insure your phone?
I’m new here and trying to decide if Monzo has any benefits worth me sticking around.
Comparing the cover to first direct which I was contemplating leaving its quite a bit worse. Less cover for mobiles and no car cover. so of the 3 big ticket items only 1 appears comparable.
And so far plus hasn’t been particularly exciting, I’m probably gonna ditch that.
I was prepared to give some of the FD benefits up for some decent application functions to help me manage my finances but so far that’s not working out either.
Not been a very successful trial for me thus far.
I’ve had the same experience with questions on how to use the app. I posted a question on here which took a number of days to be approved and then contacted support in the interim.
The questions to support have bounced around numerous help desk people and got fragmented to the point I’ve no idea where they are at.
All I wanted was some good example case studies of how to use Monzo to budget. Not the rather pointless help that gives you specific functional help that isn’t always correct.
More something that explains how to deal with many direct debits/standing orders, some monthly others annual plus a raft of adhoc spending for groceries and the like.
Thus far I’ve had responses that tell me how to create a pot and little else.
Yeah. Samsung has given free insurance with their new devices for the past couple of years, and I tend to upgrade yearly through my company as an expense.
If you have the first direct cover then it’s better than what you can get from Monzo (HSBC Select & Cover is comparable).
I guess it boils down to what you want from a bank, If you value modern app and self serve, Monzo will do just fine. If you value customer support that you can ring whenever and an app that’s “OK” then FD will probably do just fine.
For budgeting, it will depend on how you want to play it, but for me I set a budget in summary, and spend against that as the month goes on. I have a pot called “budget” which I use to put the money away into.
How you do it is up to you
@AlanDoe feels like a good blog post opportunity, if not already done
Will add it to the suggestion list for our blog authors 
This isn’t a support forum, it’s 99% customers who will try and help where possible but if you have an issue with your account then you should be going to support
I’d also suggest just getting stuck in. You can’t “break” anything and you’ll get a greater understanding of how it all works this way.
Any bits of questions, like ‘left to spend’ you can likely find the answer on here already or we can help
I understand that but at that point I hadn’t managed to work through the menus to find how to log a ticket,
That said comparing the quality of information resulting from the ticket with the forum is a no-brainer.
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