Hey, thanks for replying.
To be honest I havenāt used it lately, Iām just trying to clear off the balance, which is over 1k. Iāve used it very stupidly, knowing I didnāt really need it. Now, I need a new laptop, a new camera and it has to be quality equipment, since I want to do animation, photography and graphic design. The balance has been on the account for more than a year letās say.
Could you use Monzo pots instead to save up for these things rather then using credit?
If so you could use an Amex nearer the time (once saved up) to get some cashback on the purchase and just pay it off with savings.
Might be especially nice with the Amex and Monzo tie up coming soon.
I would do anything that will allow me to invest and fructify my money, save, and avoid any kind of debt. For sure. But what youāre saying about Amex is a good idea. Would I get cashback if I pay off the entire balance of the purchase? (I will save before obviously)
Thatās right. Most people essentially use the Amex as their spending card, whilst also popping the money into a pot on Monzo - then just pay the balance off at the end of the month.
Iām sure someone will be along to correct me, but I believe AMEX pay all cashback in a lump sum at the end of every year.
An alternative would be Tandem, they pay a lower cashback amount (0.5%), but it is paid monthly. See:
Youāre amazing! Thank you 
Hi and welcome 
If you want to sell your shares, here is the topic to do so:
Iād also recommend that you get your investors flair added to your forum profile first. This will show potential buyers that you actually own shares to sell. Instructions on how to do this are below:
Hope this helps!
Hey! Iām Patrick - Iām what they call āFull Monzoā and have been a long time lurker on these community forums but finally decided to sign up and be a part of it (there are some features Iām keen to see after moving away from my previous high street bank)! 
Monzo Pots and rounding up of transactions are really helping me save and pay down debts at the moment!
My member number is before 330,000! 
Only one I really think is worth having is Amex, to be totally honest. The America Rewards Credit Card is great - totally free, and the points convert to Delta SkyMiles which are far more valuable to me than any cashback scheme.
Iām thinking about joining Monzo but my only hesitation is that itās app-based. Iām a bit old skool and wondered if there are any web interface functions - as I find it easier to see small detail/type on my laptop? Iām really trying to get in control of my finances! Thanks
Thereās an emergency web interface but that only lets you see the last 50 transactions and freeze your card, no other functions.
Itās an app based bank, you need to use the app
Iām hopeful that a better web interface might come as the happy side effect of business banking. Probably not until the end of the year, if not later, thoughā¦
Thanks! Wondered what is available on the current web interface?
Take a look! Itās here:
(Itās pretty basic - billed as for emergencies only)
Thanks!
Hey people,
Iām Matteo, been on Monzo since 2016 but now decided to snoop around and provide some feedback in the community 
Iām an(other) Italian in London 
been working in startups for the past 3.5 years in Marketing.
Obsessed with learning new things and reading books, love a good yoga class and a graffiti session on an East Londonās (legal) wall 
Looking forward to exploring more the community 
Welcome @titta91 
Youāve certainly got a strong emoji game so youāll fit right in! 
Thanks, Pete G and Coral crew!
Looking forward to learn emojis from the best in town 
Hey folks!
Iām Chris but most people call me Tunny. Iām 26 and work as a software engineer for an IT consulting company.
I joined Monzo a few weeks back but have known about it for a few months. Iām currently using it as my spending account but am tempted to take the leap and go full Monzo soon. The main reason for me joining Monzo was just how easy and convenient everything is, itās truly a new and better way of banking.
Anywayā¦ Iāve been lurking for a week or so on here so thought Iād go ahead and make my first post.
See you around! 
