Me! (Just need a other 7.5 million or so.)
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If web banking is what people want then other banks are what they need.
Monzo would rather launch things like mobile plans and AI assistants that nobody asked for, instead of something useful like online banking that people have been asking forever for.
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How dare Monzo try and make money.
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4 people wanting a website vs a bot that can give responses in seconds for free to thousands a day and save the humans for other things?
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Monzo will change their mind when there are enough users vote with their wallets by moving their āserious moneyā away from Monzo because other banks have decent online banking for Important Big Screen Actions.
At the moment they still overinflate the number of people āusing Monzo as main bankā in their annual report with the current criteria. Investors are still happy, until that number no longer translate to real cash reserve and profits.
Monzo donāt care for full web banking. Itās a mobile bank. Designed for digital banking on the go, no faff, very simple.
The hoards arenāt flocking elsewhere as people choose monzo for its simplicity. The very few wanting web based have many many options.
Most high street banks have the option, but people choose monzo for the app abilities and convenience.
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People arenāt switching to Monzo because thereās not a web version of the app? A few maybe, but that is not going to be a problem for the vast majority.
Laptop/PC sales are falling YOY.
A lot of customers that are joining Monzo now have never logged into a web version of any bank.
If you really think that if the numbers start to stall and investors get twitchy, the thing theyāll get is a web app, Iāve got a bridge to sell you.
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Whatās a big screen action?
I used to be in the camp that wanted full online banking with Monzo but apart from logging in to both Starling & Revolut online banking to have a look at them, Iāve never used them for anything.
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Itās the idea that you want to do ābig thingsā on a bigger screen than a phone https://reddit.com/r/Millennials/comments/1s4hriy/big_purchases_require_big_screens/
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Guilty as charged
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Thatās strange.
Agreed. Some big things need a big screen.
Issue with online banking is its generally cr @ p compared to the mobile app. And 90% of the time you need your phone to log in so you may as well just do it via the app.
Whatās the point of logging into Starling online banking if I need to log into the app to verify and scan the QR code and all that BS. Or some just look bad like Lloyds / Santander.
Even the Monzo Business Online Banking is bad. And again you need to be logged into the app to access it. May as well just use the app.
Co-op gets it right (somehow). No phone needed once itās trusted in a browser, it looks modern, and itās more functional than the app (standing orders can only be set up online).
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Using the app youāve already verified your identity on makes it far more secure than a username and password entry. Anyone can get any of that information, however they canāt bypass your actual identity.
I am squarely in the āright device for the purchaseā club, but I still have my phone next to me.
Even if iām using my laptop to buy something, Iām happy to just grab my phone, verify with my thumbprint and then continue on my laptop again. Why would I want the faff of logging into online banking to verify a purchase when my phone is right there?
As far as iām aware, NatWest and Halifax also make you verify using an existing device (phone app or even text). Online banking exists with them but you canāt verify a purchase with it, as far as iām aware.
Do I think online banking could benefit a small subset of Monzo usersā¦ absolutely, but the volume of people it would benefit is very small, so not worth the effort in my opinion.
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Curiously, the latest 
app code shows hints of being able to either: sign-up -or- login using a Google or Microsoft account. So while I get the security link to a person and their device with these services, this smells of browser access to a service 
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I paid my house deposit, which was a lot, using Monzo. Worked seamlessly and I wasnāt wishing I had a bigger sceen. Each to their own of course.