A bank is a means to save and improve life. That doesn’t mean you owe anything
Well no, they don’t. You may be grateful, you don’t pay their salary
Off topic, but it’s a minority that are actually net contributors over a lifetime
You have a deal. 
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100% this
Couldn’t care less about a different coloured card but I do think Plus has the potential to be really good. If it turns out it’s not then I won’t renew, but I trust the vision they have
I wouldn’t pay £36 just to support them, but happily will coz FOMO
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Are you really though?
Happy to see this perspective coming across. Businesses in the 21st century should be about providing value and being rewarded for it.
It seems like a lot of us are starting to realize we need to support the things we want more of, or we will end up with unfortunate externalities. Monzo spends money to build this product and offer more value to us than existing banks, where many of the benefits they are offering cost them. I’d like to see this offering continue to grow and diversify.
Monzo also has the ability to negotiate on behalf of all of us to offer products at better prices and with terms more suited to the needs of Monzo’s demographic. Supporting Monzo with a Plus account seems like a clear way to help them continue on this pathway. We all just have to have faith that Monzo will continue to make choices that support their users once they have maximized their market share, by creating value and maintaining respect.
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That’s debatable, that’s not me in any way being harsh it’s just me stating a fact. YMMV.
Maybe we can help Monzo to make those choices by not paying for something they offer which has no value for us? For me, that’s better than having faith. 
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I mean, part of what you’re paying is for the other features as well, granted yes they’re not hear yet, but that was what it stated in the sign up; not everything is ready yet.
It can go both ways where they could listen (as they’ve done in the past) to us and adjust what needs to be adjusted. Or if we don’t show interest in it they could just scrap it.
At the moment, I’ve actually found the custom monzo.me useful and the travel insurance makes sense for me. Obviously I’d like more features to come sooner, but hey - early launch 
Terrible idea, donate it to me instead 
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This thread makes for really disturbing reading. It’s like a load of people have been hypnotised!
Of course anyone can choose to do what they like with their money. What is utterly bizarre is this sense of owing something to Monzo. They charge for depositing cash into your account! Tom didn’t sit there and say, “We have lots of customers who need help managing their finances, the last thing they need is another fee”. No, he has a duty to the bank’s investors to turn Monzo into a profitable business. They are not a charity.
I saw a post from a Monzo staff member not long after Plus was announced encouraging people to sign up for what is on offer NOW as opposed to what MIGHT be introduced in the future. I remember thinking at the time that this message should have been much louder and much clearer. The number of people signing up purely because of what has been promised as a future benefit is ludicrous.
I actually think Monzo are on pretty shaky ground with this. They should be doing much more to ensure that people know EXACTLY what they are signing up for and be giving realistic timeframes for when the additional features will be available. Generating FOMO is a clever marketing technique but not a route that a bank should be going down IMHO.
There are people that have posted on here that literally can’t afford it (money wasn’t there when Monzo tried to take payment) and plenty of people that have outright said they have only signed up for what might be added later. This has “future mis-selling claims” written all over it 
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So, on the topic at hand, do the plus cards need a little more emphasis on the pluses or is the extreme subtlety doing something clever?
(I’ve never had a paid bank account so I’ve never seen a ‘real’ plus card to decide for myself.)
Depends. If you wanna shout it out to the world that you have a plus card , then yes . Plus is very subtle . More subtle then I thought it will be .
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Agreed. I was surprised but then does it need to be shouted?
I don’t personally feel it would need “shouted” however I do think it should be of similar prominence to the investor or joint signage on the standard card
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I don’t mind the plus not being visible, but the quality of the cards definitely need improving. Starting with the CCV number being only visible from the back. I would also be happy if they would completely remove that number from the card altogether .
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It really is bonkers.
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I like mine. Cos it’s Hot Coral!
The CCV number isn’t visible from the back on mine (or maybe I’ve not just shone a really bright light at it yet?) and it works as a bank card should.
The ‘Plus’ could be more visible but I don’t really get why this is an issue for people (but then I don’t want a metal card etc etc).
I think the Hot Coral Plus card is great because it’s HOT CORAL! It still gets ‘ohhh what’s that…’ comments and lets me buy things.
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