Thanks @Feathers - great feedback! We’re definitely working towards a more personalized offering, with a one-click signup in the app (rather than having to enter data into the flow that we already have) and targeted to people who we have a high confidence they can save money. Fundamentally, we need people to move their energy direct debits over to Monzo to do this properly (and may require asking for a few extra inputs like existing usage / tariff) and then the experience will be significantly better. We’re just a bit early in the current account rollout to have enough energy direct debits moved over to do this well today, but still wanted to get started with the testing. We also plan to surface this more in context (e.g. next to your energy direct debits rather than randomly in your transaction feed). And of course having appropriate controls (e.g. opt-in as you say). Bear with us 
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