It sounds like you are not in London so just as background, you can already use Monzo to travel on the London transport network and the daily, weekly and monthly caps are in place. The work here (that I believe people are looking for - I may be wrong) is to enable near instant notifications for public transport. The transactions are currently delayed by a day or so and this impacts your budgeting. I’d suggest it is not really about Oyster (that’s just the name of the card that nobody using their Monzo card to travel utilises anymore) but broader than that - public transport makes up a large portion of many people’s budget so it makes sense to provide features for areas that are key to people’s financial life. I was back in my small home town of Halifax during the xmas break and I saw the buses now take contactless. I suspect the updates on those buses won’t be near instant either. So if you could prove the feature to work on London transport you could export that to other places, both in the UK and abroad. See it another way - imagine Starling beat Monzo to the punch and had a great TfL integration before Monzo - that would see Monzo lose customers to Starling for certain. It could be seen as a defensive play.
When my Christmas checks get cashed I think I’ve found what I’ll buy with them 
Also applying for delay refunds in the app 
Edit: It was already mentioned! Apologies!
Integration with email receipts should be possible, right? Use the Google API, or POP3 to check for email receipts, and then connect them to transactions in the Monzo app.
Take this one step further, and you could link flight details to transactions in the Monzo feed (I know there is some barebones booking reference number integration with some airline purchases, but this could work for all airlines). I would actually love that integration!
Unfortunately that would require TfL’s assistance. They once allowed Barclaycard to embed Oyster chips into credit cards, but that only lasted a few years.
However, TfL is desperate to move from Oyster onto contactless, so I expect that weekly contactless capping may extend to monthly and yearly at some point. At that point, you’ll be able to use your Monzo card instead of an Oyster card, and pay the same as your current annual travelcard.
Cutting that margin elsewhere would surely be a good idea for monetising the project. Would also be a nice eye-catching move too, I would guess bringing business in.
Blockquote Integration with email receipts should be possible, right? Use the Google API, or POP3 to check for email receipts, and then connect them to transactions in the Monzo app.
A lot of clothing stores give you the option to email receipt rather than print it! Also if receipts were digital think about the save on paper.
Exactly - now how do we get those email receipts into the Monzo app. That seems like a very small step… 
Micro-Asset Management
A-hem.
Ok this is why I believe Contactless Receipts would be super-useful.
If receipts had a standard protocol as email does, and my card chip provided the web-address for my ‘receipt box’, then:
- Business Expenses would be a doddle
- I would never loose a receipt! Ever (more power to the consumer for returns etc)
- I could browse my assets list, possibly see my net-worth (-£)… which may prompt me to sell more stuff
- Businesses could send me ‘assets’ such as coupons for loyalty etc
By the way, the ‘receipt box’ is the Monzo app in this fantasy.
i’ve been typing my email address into the tills as shops recently and I keep thinking ‘you’ve got my card details, don’t you know where to send this receipt already?’ I’ve also been thinking ‘i hate e-receipts, they are clunky and junk up my inbox’.
Perhaps a little phone call to izettles and Sumups for a bit of collab? 
Tom
"iZettle remembers your contact details for the purpose of sending receipts when you pay with the same payment card, at any seller using iZettle"
I feel like if I could switch out this email address with some Monzo specific address we would be away…with iZettle anyway…
Besides, you can view the iZettle receipts in a web browser so it’s html. Would it be that much effort to hoick out the items:
Loyalty cards (Boots Advantage card, subway, co op etc.) saved to your Monzo account and points get added automatically to your accounts with the different merchants
… and then sign you up to spam that you never asked for…
I legitimately cancelled a newsletter I received after a purchase I made within a store and then refused to use email receipts again in that store… I was later signed up after another purchase and the only thing to link me to the email address was the bank card I used to pay. I never gave it out on the second purchase and I won’t use the retailer again.
I would have chased it up if I had any proof of this as I’m sure it’s not legal.
Flux all the way for me, it’s great and doesn’t share your personal info with the store you purchase from.
Yeah totally agree with your concern. I would not want any unwanted emails. I was just mentioning the email receipt thing because it means that companies are starting to have till machines that offer digital receipts
+1
+1!
But only for 4 retailers so far, and you need to give them API access to your Monzo account which makes me FAR more uncomfortable than some spam email.
Link it in with your monzo.me username?
A monzo version would be great! The black one with red inside looks nice
Dutch bank ABN AMRO are the only bank to have partnered with them so far.
My only gripe is that it would expire after 4 years like a card would and I could tell if you would have to purchase a new one.
Maybe this was mentioned before but I would love to see a black metal card. Maybe even pay a monthly ‘subscription’ and have some benefits for it. (much like n26 has)