You can only get an individual rail card, up to the age of 30. After this it’s cards for traveling with someone/your family unit but you have to journey and book together or if you’re disabled or an OAP pretty much.
Hi 
the reason for the difference is it is not possible to sign up to Max once you turn 70, even though the travel insurance will continue until the anniversary after your 71st birthday.
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You can get an individual card in the South East https://www.network-railcard.co.uk/
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Thanks @jonj1 - our engineers are already looking into this one 
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Indeed! better than nothing, but not as good as the other cards which are all over the UK! I do most my traveling by train outside of the southeast sadly.
By the way, the Network Railcard works all the way down to Exeter
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This might be a stupid question, but I’ve not had breakdown cover through a bank before.
If you’re already with RAC, would this supercede your current breakdown cover, or do you need to cancel your existing one and take up a new policy through Monzo?
Then currently you’re not their target customer, I guess.
The Greggs alone, if used even once, overcomes the £2 fee increase. So for anyone who would grab a coffee a month it’s worth it.
If you’re a coffee a week + use the railways then it’s an excellent benefit for the increase, certainly not just “essentially”. That “essentially” is around £115 for Greggs (if coffee is your thing) plus £30 railcard per year plus £140 (on average) saving per year from the railcard.
So it’s £24 a year increase but could be up to £285 of benefits that (despite what appears to be the outrage here) a lot of people could easily obtain.
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I’m currently a Monzo free user and was never really interested in spending £5/month on Monzo Plus. However, I do find the new £3/month Extra plan appealing. £2-3/month has always been the the price I’m willing to pay for aggregation and tracking features that are superior to what you get at traditional banks. I currently use a 3rd party aggregator for this but I’m only get it in this price range because I’m on heavily discounted pricing as an early adopter. If I wasn’t, I would very likely immediately sign up for Monzo Extra. I do also like that there is no 3-month minimum term like there was for Plus.
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But not on Oyster card journeys in London which the other railcards do…
Without supporting Joint Accounts, the railcard offering is a weird one. If I was to go for the Perks plan and get the two together railcard, it would then make the same plan fairly redundant for my partner.
Along with the lack of virtual cards for Joint Accounts, yet another delay in bringing any premium offering to them has finally tipped me into canceling my Plus plan.
If these plans applied to Joint Accounts, I would be upgrading right about now.
Hopefully Joint Account plans will actually materialise 
The team has done a good job, however the business decisions are questionable.
Nationwide plus Extra makes it £1 cheaper. Might as well get Monzo Max. Love the criticism on here today. I like how people are being healthy about negative opinions.
Top community spirit today.
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There’s always edge cases, but for the vast majority, and the vast majority don’t use Oyster anymore, this will work for them
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Having read through all comments on here and how the newer plans do and don’t work for some, compared to the older plans (which have been equally polarising on here). It occurred to me, it would have made sense to have a ‘pick your perk’ model.
Aka on Perks you got to choose 1-2 add ons a month, and on Max you got to choose 3-4 add ons, in addition to the Extra software based offerings. A little like the EE mobile swappable benefits which include Microsoft 365, Disney+ etc. Would have worked to appease those like me who don’t need the insurance/ can’t get a railcard.
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Currently on Plus. Not considering Max as I have better travel insurance direct from an insurer that cost me £15 for a whole year.
So three options:
- stay on Plus until Monzo shut it down
- “downgrade to extra” to keep the connected accounts (really useful for reconciling credit card spend on pay day and moving the necessary amounts to my pots), virtual cards, and custom categories. Lose my shiny blue card and international transfers cash back but save a couple of quid a month.
- “upgrade to Perks” gain a new card colour (hmm, not worth the extra over what I pay at present), Greggs could be nice but feel like it’s going to be eating/drinking for the sake of it rather than a true saving, would lose the cashback I get on international transfers, and railcard benefit not for me as I have the best railcard of them all - 75% off staff discount!
Overall, unsure how successful this will be, but good luck to Monzo with this.
I think for now I am most likely to stay with Plus.
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London specific but you can’t add Railcard discounts to contactless cards - you need to use an Oyster
They tried it, it didn’t work.
People need to pay for things they don’t use to subsidise it for the people that do. Many people will pay for Perks and not get a rail card, or go to Greggs etc. That’s what Monzo need. If everyone got/claimed everything, then the prices would go up.
If you could hand-pick the exact things you want and would use, the price point would mean you wouldn’t want it anyway.
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Yeah, that was interesting one. I have gone for Perks but my other half has gone for the more basic £3/month option as there’s no benefit from both having a Two Together railcard.
It should be said that she hasn’t had a paid account through Monzo before so the lower entry offering is clearly working.
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