Are 16-17 year olds even allowed to agree to contractual terms for a paid product? I’m not a lawyer, so it’s a genuine question. I’m intrigued.
I don’t see anything morally wrong with selling plans to people of that age. As long as it provides value to the customer.
Free sausage rolls? Are these unlimited? Where?
Edit: 
We’ve talked about this before.
Just because some banks provide it for free doesn’t mean everyone else should follow suit. They often cover their costs with other services, which I believe is a worse approach.
Additionally, as previously stated, this will only reduce the value of the paid plans, making them less attractive. Banks rely on these paid plans to generate revenue, enabling them to offer both free and paid services.
When I mentioned that “we’ve talked about this before,” I wasn’t referring to you specifically but rather the community has several times before.
You’re certainly entitled to your opinion, just as I am to disagree with it, so please don’t take it personally! 
For the most part, I agree with you. I believe things should be free, actually I think everything should be free 
However, I don’t believe that’s practical and could ultimately do more harm than good.
Try not to read tone. That wasn’t intended at all.
I’m sure the fraudsters would really love to have you weigh in with a personalised bank account number 
I’ve explained that since, and it was giving context that it wasn’t solely my opinion. Jeeez 
To add further clarity for those who read far too much into comments. I genuinely dont care whether they’re free or not
Pah. I thought something good had happened but it’s just half term. Roll on next week.
Riiighht
So what would I want to see from an enhancement what exists. I’ll answer but it will be subjective.
For me a few things:
I’d like a benefit option in place of a railcard. Even if it’s pretty meagre (guessing Monzo are paying ~£15 per railcard, and I get that won’t buy much).
While we’re at it, a non-Greggs option wouldn’t go amiss either. I love Greggs but I could do without the temptation.
Right now every time I look at any of the plans I just see a load of cost and no value.
What you want is something that Monzo doesn’t offer, but that’s ok. We’re all different… well, I’m not.
Thank goodness it’s optional.
Right.
I’m on the Extra plan.
Just went into the savings pots section to check on something. Went to tap on an account to see the detail but as I moved my finger it all moved down the screen to be replaced by an add for investments, causing me to tap on that. Went back, dismissed the ad using the 3 dots. Irritating, especially as it had only appeared with an animation causing the pots to move causing me to hit the ad rather than the pot.
Went into the pot, checked what I wanted to.
Came out of the pot to the savings pots list again. A second ad appeared in exactly the same way, asking me to upgrade my plan for a better savings rate.
Really intrusive. Not a fan at all.
So, two different intrusive ads in the same place within about 10 seconds.
There is after all no such thing as a free lunch - high street banks will market their revenue generating services to you by direct mail or email or phone, as well as when you interact with them in branch or in their app. Granted you have a right to opt out of some forms of marketing, but they’ll still be on the upsell.
Hopefully some of the more intrusive methods Monzo are using at the moment are some A/B testing in action and they’ll fizzle out when they see the feedback.
Paying for Monzo Extra does feel a bit like paying for Spotify Premium - one of the benefits is getting fewer interruptions (to tell you you could get fewer interruptions if you subscribed).
I don’t know if it would really fit alongside the general Monzo offer but this is crying out for streamlining and making less opaque.
Same.
Not same.
I’m on Max though. Maybe repeat ads are diabled on Max.
I wasn’t “forced”, but equally I’m sure it was no bug, and specifically designed to appear in a place I was likely to tap (the pot I wanted having been there an instant prior to it appearing).
Banks make huge profits on the balances within current accounts which pay no or little interest. Overdrafts can be 40% which is a sizeable margin and the rest used as loans. Then there’s profits made on foreign exchange & money market dealing and all manner of exotic products. Don’t feel sorry for the banks as they know how to make a profit. Of course I wouldn’t expect the fintech banks to have dealing operations. I recall when I worked in one bank some years back a SWIFT payment cost about 0.01p for 10 payments however the customer could be charged £20 commission - that’s some margin so 10 customers x £20 = £200 for the cost of the SWIFT payment namely £0.01. SWIFT is owned by the banks and FIs and is a co-operative organisation.
This really needs to stop. A dismissible banner saying “hey would you be interested in a new savings pot” Id be fine with.
Pretending I’ve got one. Totally not cool. For some people this could cause financial distress, imagine if that was a fake flex card for example.
I must be in the minority and/or “ad blind”.
I dont feel the app is overcrowded with adverts at all, and if one isnt dismissable I dont mind. They don’t get in the way and I dont feel that they’re intrusive.
Same here. I can’t remember the last time I saw an advert.
You surely would notice a savings account appearing…
Do you use all of Monzo? Pots/Flex etc? Are you on a paid plan?
It would be odd if you’re not being targetted at all given others are, unless you’re already using the features they are trying to advertise.