Welcome to community Nathan! 
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- People who do their everyday spending with something other than Monzo or a credit card – why do you use the card/account that you do?
→ N/A
- For folks who spend to earn points of some kind, are there particular things you earn points for? And if so, what are they?
→ Avios / Nectar / Cashback
- What factors influence you to pay bills or regular payments from a certain card or account?
→ Usually it’s my Monzo as that’s what I get paid in.
Also. I only carry my physical Monzo Debit & AmEx. Have all my cards on Apple Wallet and use cards for when the item / purchase needs PIN verification, or I need cash, or I need a physical card (hire car/hotel (This is where physical Flex/Monzo CC, where I can collect avios/nectar would be amazing!) )
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Amex for the Avios, and companion voucher, at least 2 (almost) free return flights a year.
Although I am considering changing to the Preferred Gold Rewards credit card later this year as the points are more versatile.
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Travel, as a keen traveler the companion voucher is great. And the only thing i have to do is my regular spend to get it.
Amex offers. Amex run great offers. I just got £15 back the other day for a £150 spend at ikea for example. Also the support local scheme they do is great. Monzo offers should take note 
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The amount amex receive from a merchant in fees is something monzo could only dream of, when I was involved in an old job the amex standard for merchants was 1.99% in processing (interchange) fees, and we paid roughly 0.25% for MasterCard UK debit cards and after the merchant’s processor/acquiring bank , MasterCard (and potentially Google pay ?) take their cut there is very little left for monzo to run anything close to Amex rewards.
I have heard you can negotiate with amex but are unsure on specifics and minimums, presumably square and sumup etc have negotiated better rates to offer 1.75%
See the MasterCard interchange fees
Thanks!
Thanks everyone, appreciate your input as always 
Busy week here at Monzo HQ but I’ll try and summarise all of this for the team tomorrow.
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Whatcha busy with Max? Anything exciting 
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I think from this I gleaned one of the following is true, or not:
- Flex as a physical card with points is coming (or not)
- They’re curious as to why folk have/may leave
- They’re curious as to spending trends and habits to see how to iterate further
Either way this is really great to see. What a fascinating conversation. Thanks @Layla for starting it and @maxwhite for keeping it coming
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Well, points, rewards, cash back. I agree unlikely, but if Monzo were to launch a Physical Flex Card (aka Credit Card) they’ll have to do something. Otherwise why would people that don’t already use Flex sign up?
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True, but Amex don’t make money from people who buy their shopping, get Avios points, then pay it off at the end of the month. Repeat.
They make money from people who buy their shopping, get Avios points, then carry that balance forward.
It’s whether Monzo want to be/attract the latter.
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Yeah, I see the Flex physical card as a step towards improving the product and making it basically a credit card with a BNPL option. I think that’s probably enough to drive take-up, rather than needing to incentivise with points.
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All about the BA companion voucher for me. The Avios themselves are pitiful - easier to rack them up through the BA e-store, but the voucher makes a huge difference and enables me to justify an extra holiday than I would otherwise!
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Bill paying, salary in account. 2 x virtual cards (1st small subscriptions, 2nd is for crypto investments on CoinBase).
Plastic card not in use at all. Don’t use/need Flex service.
Had more of virtual cards, but ‘‘relocated’’ corresponding spendings to Starling and Revolut, a few months ago.
Starling 
A lot of little things as grocery shopping, other domestic purchases, mainly in person.
1 x virtual card for shopping on Amazon & eBay.
Revolut 
Investment account, mainly into cryptocurrencies. Also for charity (DDs and card payments in £, € & $) and gambling (National Lottery and some other direct debits).
5 x virtual cards.
1st Online shopping, bigger purchases as flight tickets, etc
2nd Investments (crypto, obviously 
)
3rd Gambling
4th Charity
5th Subscriptions (annual, larger ones, pay for ProtonMail in CHF (Swiss Franks).
Lloyds
Additional account, rarely in use with one Postcode Lottery direct debit (to keep minimum activity).
Nice to keep at least one ‘‘old bank’’ account, to remember how basic it may be 
Wise
Additional account, also rarely in use with one Postcode Lottery direct debit.
1 x virtual card. Sometimes pay for ProtonMail in CHF (Swiss Franks).
Also noticed, wow 
I currently don’t have any credit cards 
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I don’t ever want to have my card use analysed and potentially corrupted across different cards. I keep certain cards solely for UK food shops, for example, so any non food spending would obviously be fraudulent.
I don’t quite follow. What might get corrupted?
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This is an interesting edge case.
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Let’s say I shared info on my revolut spending with my Monzo spending. How is my data kept safe? I have a Monzo card for many but absolutely specific purposes.
Even if you only analyse Monzo data I don’t think i like the idea of my spending habits being sold or used.
It’s crazy how people are so protective over non personal/characteristic payment info.
Nobody really cares you shop at Morrisons with Lloyds or Currys with Barclaycard.
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