Hey I’m roasting pork, the crackling is already looking amazing, a few chives are not going to excite me.
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my name has always been the same 
don’t think it goes back to royalty
Strangely enough I was a sapper though in my previous life with the Royal Engineers
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None of these fees apply to me. I use Starling Bank. I suppose my reply to that would be If a competitor like Starling have done it why didn’t Monzo or why aren’t Monzo?
Probably because Starling are happy to throw money away at this stage. With their smaller customer base, they will be losing less.
I rinse my Starling card for overseas cash withdrawals and nothing else. I preach that to anyone that’ll listen too.
I just play the game.
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That’s hilarious, that’s all I do with my Monzo card , Top up & withdraw using an ATM as much as possible… So glad I’m not alone
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£200 a month fee free isn’t much though? I like to withdraw at least £2,000 a month from Starling, usually in the USA 
Can’t wait to get my working visa so I can help Donald build the wall.
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Monzo are consumer only. Meanwhile, Starling received a contract from the Department of Work & Pensions for payments, a nice revenue stream. Also, something not visible to most customers: after the outages with GPS (Starling’s current card processor and Monzo’s card processor during the prepaid era), Monzo decided their own, which is costly too. Combine that with the fact that the prepaid programme cost Monzo’s £50/user/year so they actually didn’t make a profit, unlike it may seem.
So to answer your question - both companies have different strategies. Monzo’s is more long-term while Starling’s to pay off in the short to medium term.
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I accept what you are saying . 
My point is why hasn’t Monzo been Securing these sorts of Revenue Streams? Therefore getting into Profitability Faster & allowing room for things like Paying in at a P.O.? Members have asked for this? Or using these Streams to help Finance things like Top ups?
I think Monzo has gone for growth in numbers and then will be looking to convert those numbers to revenue streams , whereas Starling have concentrated on revenue producing from the start - which strategy works the best will be seen in the future - thats not to say both strategies won’t work
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Time will tell.
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it will - that is true
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Don’t forget that legacy banks make a lot of profit from bullshit fees like rejected direct debits, unauthorised overdrafts, card payments abroad, etc - none of which the fintechs do. 
How else would they be able to repay for mis-sold PPI though?!
If you’re happy with Starling, I’m not sure what your complaint is with Monzo, as you can just stick with Starling. Others here understand the tradeoffs Monzo are making and are happy with them (or just don’t know and don’t care). Different strategies, so you can stick with the one that works for you.
For what it’s worth, though, Starling definitely do steer you away from card top-ups and towards bank transfers in their app.
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Do you mean their minimum top up is higher? £50
I want to be Happy about Monzo too. I think you miss my Point.
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Not all. Nationwide’s Red account has no fees . Some Banks are leaning towards this Stance. But in any case, it wouldn’t cover the costs of a Branch network. I’m sorry but these are HUGE SAVINGS. & if Starling withdrew there facilities or started charging for overseas I’d be angry at them & I would voice it.