Hopefully as you use your current account more and the company grows (especially after this crowdfunding round) Monzo can earn your trust 
Thanks for taking the time to answer, I enjoy looking at things from different perspectives.
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Another reason - putting all your financial eggs in one basket is kinda dumb. I had a significant amount of money in IceSave… 2007 that was fun…
I am switching over but slowly. There are features of other banks that I like and can’t do without, such as being able to take a photo of a cheque to deposit instead of needing to post it, or go into branch. Having a credit card elsewhere, also allows me to keep track of many accounts on one app based interface, and I have a current account specifically for bills, council tax etc to keep things separate. Monzo currently don’t offer a credit card or multiple current accounts.
It isn’t multiple current accounts but Monzo does have pots - so you could make a pot for bills and one for food.
You can even use IFTTT to automatically move money from a pot to the main account when you make a purchase
I think offering ISA is a good shout
Especially things like the lifetime ISA to attract young people looking to save for a house (May even translate to Monzo being able to sell Mortgages in the future)
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I agree with this massively, having a larger savings portfolio within the Monzo marketplace would make it really attractive - even if that is through integration with other fintechs/ smaller players rather than their own product.
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Boom - and the job is done!
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Still no ability to setup a separate account to pay bills (direct debits).
And no iPad app!
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iPad app doesn’t sound like it will ever come. There is a web portal now though that should work with the iPad.
Committed pots is in staff build at the moment, but it’s touch and go as to whether it will ever make an appearance.
Oh man I hope an iPad app does see the light of day! It would be good to know if it is even being discussed internally at all.
I’ve read many a time from Monzo staff that it isn’t in the works and isn’t on the roadmap despite being discussed internally.
I think it’s important to remember that, from what I understand, Monzo’s product teams don’t tend to plan which features they are going to build more than 3 months in advance.
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Student Overdrafts for the just incase
With regards to an iPad app…
If the Apple rumours are true, they want apps to work on iPhone/iPad/Mac all together, so with a bit of luck this will help the cause. Time will tell of course.
Business accounts could also help, I’d imagine a lot of those users will want either an iPad app or a full web interface.
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The committed pots is just a no brainer, been separating my bills from my current account for 10 years, its such an easy way of budgeting.
I would love to know why there’s no sign of an iPad app. For me my phone is placed face down when i get home from work and i use my iPad for everything. Its nice not to have to strain your eyes so much. There is so much they could do with reports on an iPad you just cant do on a phone. Wasted opportunity in my mind!
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You make is sound like you’re on the Monzo app all evening every evening 
Still would be good to get an iPad app though
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The only thing that stopping me from ditching Barclays to Monzo is the fact that they keep opening crowdfunding. Before I rely on anything financially I would like to know that it can float itself rather than rounds and rounds of funding.
If a service cant sustain itself it is a worry - even more so when you rely on them and trust them with your money. I get the FSCS is protecting Monzo like most banks, but it’s all just hassle I could do without.
I love and support what Monzo is doing, just hope they can be a bit more self sufficient and less reliant on investors in a year or so.
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I think that’s the plan. You’re right about FSCS protection, I imagine if Monzo closed tomorrow it would be a couple of months before old money hit your new bank.
Same here.
At the moment, Monzo is a great way to get a better handle on my spending/saving habits but my salary goes into my Bank of Scotland account first, and all my bills are there too (bar Joint ones which are in Monzo).
So I’m ‘half-Monzo’.
Which begs the question, is this approach hurting Monzo? Am I a tiny part of what’s stopping them become more self-sufficient faster??