# General Fintech & Banking Articles Megathread **URL:** \ **Category:** Fintech Chat\ **Created:** [21 October 2021 14:18 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541 "2021-10-21T14:18:16Z")\ **Posts on this page:** 20\ **Page:** 34
**Author:** ![jgf](https://avatars.discourse-cdn.com/v4/letter/j/73ab20/32.png) [@jgf](https://community.monzo.com/u/jgf)\ **Post date:** [4 March 2025 21:25 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/842 "2025-03-04T21:25:48Z")
With Marcus at the moment for 4.30%. Not fintech but do the job with near instant withdrawals and a clean app ---
**Author:** ![mikez](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mikez/32/119781_2.png) [@mikez](https://community.monzo.com/u/mikez)\ **Post date:** [5 March 2025 07:34 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/844 "2025-03-05T07:34:39Z")
My savings (both ISA and non-ISA) are with Trading 212 at 4.50% and 4.60% respectively. ---
**Author:** ![Jamie93](https://avatars.discourse-cdn.com/v4/letter/j/6f9a4e/32.png) [@Jamie93](https://community.monzo.com/u/Jamie93)\ **Post date:** [12 March 2025 21:24 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/845 "2025-03-12T21:24:48Z")
> **[The British fintechs hoping to crack America](https://www.ft.com/content/92e332dc-4eba-4a97-811f-0b9df255c54e)** > > Revolut and Monzo face steep challenges in a complex regulatory environment and competitive retail banking sector ---
**Author:** ![Jamie93](https://avatars.discourse-cdn.com/v4/letter/j/6f9a4e/32.png) [@Jamie93](https://community.monzo.com/u/Jamie93)\ **Post date:** [16 March 2025 12:50 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/846 "2025-03-16T12:50:24Z")
> **[‘People would really suffer’: the insidious threat to our bank accounts](https://www.telegraph.co.uk/money/banking/how-putin-shut-off-britain-bank-accounts/)** > > Britain’s electronic payments systems face risk of Russian-backed cyber attacks ---
**Author:** ![gt94sss2](https://avatars.discourse-cdn.com/v4/letter/g/ee7513/32.png) [@gt94sss2](https://community.monzo.com/u/gt94sss2)\ **Post date:** [31 March 2025 18:08 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/847 "2025-03-31T18:08:13Z")
> **[Plan to raise deposit protection limit to £110,000](https://www.bbc.co.uk/news/articles/c62z32pyegyo)** > > The amount of savings protected if a bank goes under should rise from the current £85,000, a regulator says. ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [31 March 2025 18:10 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/848 "2025-03-31T18:10:31Z")
Has this ever actually been relevant? Has any bank (in this country) got to the point of bang and the £85k protection kicked? ---
**Author:** ![Arnie7](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/arnie7/32/108404_2.png) [@Arnie7](https://community.monzo.com/u/Arnie7)\ **Post date:** [31 March 2025 19:11 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/849 "2025-03-31T19:11:13Z")
Northern Rock? The Icelandic banks operating in the UK? ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [31 March 2025 20:27 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/850 "2025-03-31T20:27:49Z")
It didn’t start until after the NR debacle ---
**Author:** ![teflon](https://avatars.discourse-cdn.com/v4/letter/t/ed8c4c/32.png) [@teflon](https://community.monzo.com/u/teflon)\ **Post date:** [31 March 2025 20:42 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/851 "2025-03-31T20:42:26Z")
Looking at their [press releases](https://www.fscs.org.uk/media/press/), it seems to be mostly credit unions going under - not huge in the grand scheme of things. ---
**Author:** ![gt94sss2](https://avatars.discourse-cdn.com/v4/letter/g/ee7513/32.png) [@gt94sss2](https://community.monzo.com/u/gt94sss2)\ **Post date:** [1 April 2025 10:35 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/852 "2025-04-01T10:35:21Z")
FSCS started years ago but the limit was much lower. It changed to £85,000 as part of EU rules to standardise the amount covered to 100,000 Euros. I don’t know about the current proposal, but FSCS covers a lot more than the potential failure of banks or credit unions. It also covers SMEs, not just personal customers ---
**Author:** ![breville\_monkey](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/breville_monkey/32/70932_2.png) [@breville\_monkey](https://community.monzo.com/u/breville_monkey)\ **Post date:** [1 April 2025 11:13 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/853 "2025-04-01T11:13:46Z")
I don’t think so but part of its role is helping prevent a bank from collapsing in the first place, so it could be said to be doing its job. ---
**Author:** ![Jamie93](https://avatars.discourse-cdn.com/v4/letter/j/6f9a4e/32.png) [@Jamie93](https://community.monzo.com/u/Jamie93)\ **Post date:** [22 April 2025 07:55 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/855 "2025-04-22T07:55:18Z")
> **[Hell is not other people – it’s being stuck in the ninth circle of an...](https://www.theguardian.com/commentisfree/2025/apr/22/tuvalu-atm-automated-telephone-service-uk-self-service)** > > Tuvalu is celebrating its first ATM, but here’s a warning from the UK, where human contact has been lost to the self-service age, says author Hilary Freeman ---
**Author:** ![Jamie93](https://avatars.discourse-cdn.com/v4/letter/j/6f9a4e/32.png) [@Jamie93](https://community.monzo.com/u/Jamie93)\ **Post date:** [26 April 2025 08:41 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/856 "2025-04-26T08:41:18Z")
> **[Bank chiefs to Reeves: Ditch ring-fencing to boost UK economy](https://news.sky.com/story/bank-chiefs-to-reeves-ditch-ring-fencing-to-boost-uk-economy-13355766)** > > The bosses of HSBC, Lloyds Banking Group, NatWest Group and Santander UK have told the chancellor the moment has come to abolish bank ring-fencing in an explosive letter obtained by Sky News. ---
**Author:** ![kolok](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kolok/32/46634_2.png) [@kolok](https://community.monzo.com/u/kolok)\ **Post date:** [29 April 2025 16:23 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/857 "2025-04-29T16:23:11Z")
> **[Millions of people and businesses protected against debanking](https://www.gov.uk/government/news/millions-of-people-and-businesses-protected-against-debanking)** > > Protections will support small businesses to grow, putting more money into people’s pockets through the Plan for Change. New rules will require banks to give customers 90 days’ notice before closing accounts and provide a clear explanation. Changes will prevent banks closing accounts without a clear reason, while giving people and businesses the time and information needed to challenge decisions. From 28th April 2026 ---
**Author:** ![Anarchist](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/anarchist/32/27895_2.png) [@Anarchist](https://community.monzo.com/u/Anarchist)\ **Post date:** [29 April 2025 16:45 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/858 "2025-04-29T16:45:53Z")
> [@kolok](#): > > From 28th April 2026 Cue an increase in debanking in early 2026. ---
**Author:** ![Andyg68uk](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/andyg68uk/32/10386_2.png) [@Andyg68uk](https://community.monzo.com/u/Andyg68uk)\ **Post date:** [30 April 2025 08:16 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/859 "2025-04-30T08:16:35Z")
There’s still ‘The measures will be subject to certain exceptions, for example, to enable payment service providers to comply with their obligations under financial crime law.’… so i still expect there to be some occasions where banks aren’t forthcoming with reasons but anything to try and improve transparency is a good thing. ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/125134_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [3 May 2025 02:27 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/860 "2025-05-03T02:27:51Z")
Good. As it should be. ---
**Author:** ![kolok](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kolok/32/46634_2.png) [@kolok](https://community.monzo.com/u/kolok)\ **Post date:** [16 June 2025 13:28 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/861 "2025-06-16T13:28:48Z")
> ---
**Author:** ![kolok](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kolok/32/46634_2.png) [@kolok](https://community.monzo.com/u/kolok)\ **Post date:** [30 July 2025 00:52 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/862 "2025-07-30T00:52:59Z")
> **[Visa and Mastercard are getting overwhelmed by gamer fury over censorship](https://www.polygon.com/news/616835/visa-mastercard-steam-itchio-campaign-adult-games)** > > Gamers are sending mass emails and phone calls to major payment processors in protest over Steam and Itchio pulling adult games from their storefronts ---
**Author:** ![Jamie93](https://avatars.discourse-cdn.com/v4/letter/j/6f9a4e/32.png) [@Jamie93](https://community.monzo.com/u/Jamie93)\ **Post date:** [31 August 2025 10:19 UTC](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541/863 "2025-08-31T10:19:30Z")
> **[Monzo guru plans challenger private bank. Farage welcome](https://www.thetimes.com/business-money/companies/article/monzo-guru-plans-challenger-private-bank-farage-welcome-qq2d2l9qg)** > > Jason Bates, co-founder of the online bank, plots a rival to Coutts for wealthy people left out of the digital revolution — and won’t cherry-pick his clients [Previous page](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541.md?page=33) [Next page](https://community.monzo.com/t/general-fintech-banking-articles-megathread/124541.md?page=35)