Who said I was defending Monzo?
I simply said other High Street banks don’t offer the same service as Monzo before people jumped down my throat.
Fact is, Barclays don’t offer it in the same way as Monzo either. As a Barclays customer you still have to sign up to a separate service with a separate app that any other person with a bank account can do, just like they can with PayPal or SplitWise or many other services.
If you’d have said Barclays PingIt from the beginning, fair enough, but you gave the impression at least to me that this was some exclusive built-in feature of being a Barclays customer which simply isn’t the case.
Does that mean it Monzo couldn’t increase the limit, no. But they could also offer paying in for free and many other things, but they’ve chosen not to for reasons they’ve explained. Do I agree with them, not always, in fact mostly I don’t!