I agree that the new chat is terrible, but when it comes to TrueLayer it’s essentially a hack that shouldn’t exist. Integrating directly with the other bank’s API is the way to go.
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Do old Plus customers also get the new card or are the old Plus cards still being printed for that?
Finally, launched! Signed up as soon as I got the email and read the details. Here are my thoughts:
1.00% AER/Gross (variable) interest on up to £2,000
Awesome… enough said
View your other bank accounts in Monzo
Other banks offer this for free. I don’t understand why this is something offered as part of a paid package with Monzo.
Virtual cards
Awesome idea. Helps to protect yourself. Can think of quite a few scenarios where this will be handy.
Your credit score in Monzo
You can get this for free elsewhere.
An exclusive holographic card
Love the holographic design. Can’t wait for mine to arrive. I will purposes NOT be using GooglePay in shops so I can show it off.
Offers
Getting offers and discounts are always great. I still have my Cornerstone Plustomer discount from Old Monzo Plus.
Custom categories
I love this too. Helping to manage money better by having more freedom to categorise helps and I’m already using this (along with the Google Sheets) to get even more insight into my spending.
Transaction splitting
As above. Helps to show where I am spending. If I bought a Game from Asda, along with my food, that game could now be classed as “Entertainment” with the food being classed Groceries, despite being 1 transaction.
Advanced roundups
Not something I will use personally, but I can see the appeal.
1 free cash deposit a month
This will really help. Instead of going to my other bank and then transferring, I can now pop to the corner shop.
£400 fee-free ATM withdrawals overseas
This will come in handy when I go on holiday again.
So new Monzo plus is aimed at people who want to better manage their money, so I get the new features, ut I still think some should have been given to all customers, not just Plustomers.
In fact the option for open banking is literally sharing your banking information to others.
This only happens if the user chooses it (and a mandatory legal requirement for us)
No bank sells your data in the way you’re thinking. All banks use your data.
All companies do use your data internally, we’re talking about selling this data externally which a lot of the “free” Open Banking apps do.
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If the whole team is watching this thread, how about responding to the multitude of comments that have been ignored regarding whether or not old plus on a monthly rolling will continue for those that want it, or if it’ll be a forced downgrade/switch?
As a sidenote, I don’t think he was being disrespectful at all. Just sharing valuable feedback.
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As I predicted yesterday, a good number of:
Not do what I want = Rubbish
posts from the usual suspects.
It’s a product, not a universal banking panacea and cure for all ills. As a result, some people will like and buy it and others won’t
That’s OK. Really, it is. Honestly.
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How do virtual cards interact with refunds? If I make a purchase online with a virtual card then delete that card, what will happen to a refund?
I’d also really like to see John Lewis and Aqua (newday) credit cards added 
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Massive massive improvement on Plus v1, really impressive, and huge credit to all the team.
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Screen-scraping indeed isn’t ideal however I am talking more about the fact that they are in the middle and can see the banking data regardless of whether authentication is done using stored login details or proper OAuth. I’d rather not have a third-party in the middle, especially one that is a large attack target due to the potential benefits of a TrueLayer compromise.
I expected to see an ‘add money’ button on my connected account - perhaps that is something that can be considered in the future? 
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Firstly, really nice to see a buzz and new features on the table. I’m an existing Plus (v1) subscriber, I pretty much get interest that nullifies the fee and never got round to cancelling, so like a few others I would like to know what the plan is for this old product also.
Onto the future. Congrats on a more functionality focused launch. I see definite personal and immediate benefits in virtual cards. Linking to pots also has many personal use cases for me, showing other accounts a plus but I know I can already do that elsewhere as others have said.
Maybe I’m a somewhat naive or easily pleased user but on top of some added tools I’d really value the rewards and perks side of the account so it might not be priority but on that side of the offering phrases like “plus
plenty more” worry me. I felt a little short changed with this on Plus v1. it’d be nice to have some indication that these will actively be added to and will be at least more geographically accessible.
I’m very tempted to sign up as there is value and where there is some value to me I like to support (even if that means bridging a small gap for now) but honestly feeling as if it could possibly go the same way with vague statements of ‘more to come’ . I understand there are no absolutes and a lot of of this may hinge on subscription numbers. it’s a tough one but value is still a little short. A reward or perks program /commitment would sway me. Little bonuses go a long way for feelgood (for me anyway). I could totally see why the swag commitment thing before bothered people while not being very important. People love little treats (or certain people do, I still miss Santa when I was a kid, 
!!!) .
So overall I’m caught between two stools but glad to see this moving 
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8 posts were merged into an existing topic: Loans
Do you mean to add money to that account? Because i’ve got a move money button to get money from it. Someone from Monzo(Can’t remember who) said hundreds of comments ago they’re looking at implementing it both ways
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I’d be fascinated to hear how virtual cards are a security benefit i.e. how they keep your money safe? I’m assuming you wrote that @tomdavies.
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I expected to see an ‘add money’ button on my connected account - perhaps that is something that can be considered in the future?
This is already the case for non credit cards.
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How does that keep your money safe?
The main problem here is that “open banking” couldn’t be bothered to develop a proper standard that all banks adhere to so that code for one bank can be reused for any other bank implementing the spec by just changing the API base URL and OAuth credentials.
I have it enabled in labs, I just expected to see the ‘add money’ blue circle button under the card.
That’s what I mean. Sorry
Instead I have to navigate away from looking at my credit card to add money to it.
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From the T&Cs:
You can have up to 5 live virtual cards at any time, and create up to 100 in total.
Guess my questions is, in the event that the 100 limit is ever reached, does this technically “cancel” this perk from Plus?
Love it! Very excited to get stuck in.
Is there a way to quickly label multiple past transactions as one category? For example, I’ve made a new category to put betting in, and I want to add past transactions to it without reassigning them one by one. A way to categorise vendors would be fab! (Though please let me know if this can be done and I’ve missed it)
Thanks again 