Welcome to the forum, and you’re welcome in the UK 
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Thanks! I do feel at home here and have Marmite flowing in my veins 
it’s just the first few months were a vicious circle… couldn’t get any bills in my name as I didn’t have a bank account. Couldn’t get a bank account as I didn’t have any bills and so on…
Having a letter from an institution really isn’t the greatest way of confirming that someone is a real person. Especially for generation ‘rent’. Maybe it worked for baby boomers but there has to be a better solution now.
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I am an international student studying in the UK… and have ranted about Lloyds’ ridiculous sign up experience so many times!! They are utterly inflexible and a horrific experience especially if you’re not a UK citizen. Glad to see you on Monzo!
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Salary got paid in today. I’m officially #fullmonzo 
Set up some scheduled payments into pots i.e. petrol, groceries and holiday. And groceries pot pays me every Friday with my budget for the week. Monzo is going to make my life so much easier, and instead of having that just got paid must spend it feeling I am confident that if the money trickles through I’ll get through the month in the black!
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Welcome, indeed, but I can’t shift that notion… 
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How are people on here keeping their old accounts open? I thought with the full switch Monzo close your old account? Also if you have pending payments that show on your old account on the day it’s due to close what happens with those?
Either they haven’t switched anything over to Monzo, have manually switched everything over, didn’t switch everything over and/or used the partial switch CASS before Monzo withdrew that option.
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How do i go full monzo or find out if i already am…
I’ve been full Monzo since the current account became available, I still have my Metro bank account open for one direct debit and being able to transfer cash to my Monzo account.
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You’re full monzo if you have your salary paid in/or pay most of your bills via Monzo ideally.
Technically there isn’t an official way to tell.
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Seems that there’s not a definitive description of “Full Monzo”. I had assumed it would be salary in and all regular payments SO/DD.
I guess some of it will be hearts and minds. Keeping an interest-paying current account open (with obligatory DD requirement) whilst all else is Monzo would be Full Monzo in my book.
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Hi all.
I’m super close to be going #FullMonzo - and I was just in the middle of using the ‘Current Account Switch Service’ to get everything switched over. I still want to keep my legacy bank account, and I can’t seem to find an option to keep it open, granted I didn’t go through all the pages as I was just reading the terms and conditions etc - but is there a way to select which Direct Debits to plug through, and to keep the old legacy bank account open at all?
Thanks.
Hi! Monzo have removed the partial switch option due to issues it can cause. The only option now it to manually move what you want of use the full switch service
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Ah ok! No problem - I’ll get onto moving thing over this weekend then. Thanks for the reply!
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I’ve decided to have my salary paid into Monzo for a few months to see how it goes. I’ll transfer money back to my Nationwide account for the standing orders and DDs, and for my linked high interest savings account (5%). Pleased to say my employer had no issues with the Monzo sort code, although I won’t know for sure of course until 30 November!
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I’ve just gone full Monzo; here’s my potted history:
I joined the beta early on and used it for a couple of months for day to day spending, but the lack of Apple Pay and joint account support meant it was too much hassle so I stopped.
With Apple Pay support in place I joined the joint account trial with my wife: we transfer into the account from our personal accounts at the start of the month and do all daily spend there so giving it a go was easy (bills all come out of my personal account). My wife was sold after a month so closed the old joint account.
I had been holding back moving my personal account over due to the savings account I have with my existing bank, but now that interest savings pots are available I’ve just initiated the switch. Will be interested to see how useful the committed spend categorising is with all my direct debits.
Just need joint account pots (and better pots rules like an end of month sweep) and my wish list will be complete!
Great job Monzo.
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Do it! I went full Monzo within about a week of signing up last December. And I was already very happy with First Direct. You won’t regret it.
It was even worth the wait for Apple Pay and international payments. Now, there’s nothing more that I’m waiting for. It’s a full bank account as far as I’m concerned.
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You will find threads below useful
https://community.monzo.com/t/have-you-gone-fullmonzo/36921?u=sc95
https://community.monzo.com/t/what-made-you-go-fullmonzo/44793?u=sc95
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Been ‘Full Monzo’ for over a year now, haven’t had any issues at all. Of course there are some things that you can’t do but most of them are known and in the pipeline.
I still have a legacy account open for this and that and of course it’s always best practice to have more than one network of cards incase the inevitable should happen. But my income, direct debits and daily spending is all done through Monzo.
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Hi @camy_93
I’ve moved your post here to join others of the same topic. Hope that’s ok 
Personally I’ve been full monzo since April. Had no issues whatsoever. Wish I’d done it sooner to be honest.
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