Monzo for Android - Teardowns & Deep Dives 👨‍💻


The text suggests it’s between personal / joint accounts I think.


That’s a really great feature if it’s between joint Monzo account and personal Monzo account.

Hopefully the same functionality will be available for Standing Orders too.


Still can’t edit scheduled pot moves :neutral_face:

(Marcus Nailor, Hot Coral Detective) #12

I guess it would be nice from an ease point of view but unlike a Direct Debit, a Standing Order is something you have complete control over (in terms of moving it about or editing it) :slight_smile:

All you’d need to do is cancel it and set it up from the Joint Account in the meantime :stuck_out_tongue_winking_eye:

A button would be nice in the long term though :tada:


It’s similar to having a “Retry standing order” feed item, you could look up the sort code, account number, amount and reference then send a bank transfer yourself, but it’s a much nicer UX to just click the feed item then click “Retry standing order” (or “Retry payment”).

(Marcus Nailor, Hot Coral Detective) #14

More to come :eyes:

But in the meantime…

And a mysterious red page :joy:

I will explain how to get these, and more, later on :sunglasses:

Monzo for Android - Beta Channel Changelog :male_detective:
Monzo for Android - Beta Channel Changelog :male_detective:
(Marcus Nailor, Hot Coral Detective) #15

Here it is, version 2.34.0 :sunglasses: Monzo for Android - Beta Channel Changelog

So last week there were some pretty new icons for Gas & Electricity :eyes: Now we’ve got the real deal :tada:

    <string name="energy_credit_check_info_message">Most energy companies perform a soft credit check to make sure you can pay your bill on time. Soft searches don’t affect your credit score or any future credit applications you might make. Only you can see them on your report and it doesn’t matter how many there are.</string>
    <string name="energy_credit_check_info_title">What’s a credit check?</string>
    <string name="energy_dd_guarantee_action">Direct Debit guarantee</string>
    <string name="energy_dd_info_bullet_one">"Octopus will take the first payment on the day the supply starts (this can take up to 21 days). After that, you'll pay on the 1st of the month (you can change this later)."</string>
    <string name="energy_dd_info_bullet_three">This Direct Debit has been calculated based on your meter and house size.</string>
    <string name="energy_dd_info_bullet_two">The amount may change when you give meter readings.</string>
    <string name="energy_dd_info_title">Your monthly Direct Debit</string>
    <string name="energy_quote_about_direct_debit">About your monthly Direct Debit</string>
    <string name="energy_quote_about_electricity_tariff">About this electricity tariff</string>
    <string name="energy_quote_about_gas_tariff">About this gas tariff</string>
    <string name="energy_quote_big6_message">"The Big Six are the UK’s largest energy suppliers, supplying gas and electricity.

The Big Six are: British Gas, EDF Energy, E.ON, Npower, Scottish Power, and SSE."</string>
    <string name="energy_quote_big6_title">Who are the Big 6?</string>
    <string name="energy_quote_confirmation_info">We’ll share your details with Octopus and they’ll set up a new Direct Debit for you. Please check your details are up to date.</string>
    <string name="energy_quote_confirmation_switch_action">Switch to Octopus</string>
    <string name="energy_quote_confirmation_title">Switching to Octopus</string>
    <string name="energy_quote_cost_calculations_body_economy7" formatted="false">"Octopus Energy use your meter type and house size to calculate how much energy you’re likely to use in a year.

Your yearly cost is based on using %d kWh of electricity during the day, %d kWh during the night and %d kWh of gas. It includes VAT at 5%%."</string>
    <string name="energy_quote_cost_calculations_body_standard" formatted="false">"Octopus Energy use your meter type and house size to calculate how much energy you’re likely to use in a year.

Your yearly cost is based on using %d kWh of electricity and %d kWh of gas, and includes VAT at 5%%."</string>
    <string name="energy_quote_cost_calculations_title">How is this cost calculated?</string>
    <string name="energy_quote_credit_check_info">Octopus Energy will perform a soft credit check.</string>

    <string name="energy_quote_energy_type_electricity_title">Just Electricity</string>

    <string name="energy_quote_extra_info" formatted="false">"Your estimated yearly cost is %s
This is cheaper than most %s standard tariffs"</string>
    <string name="energy_quote_extra_info_big_6">Big 6</string>
    <string name="energy_quote_fair_price_subtitle">Octopus gives you long-term value. They’ll always let you know about price changes.</string>
    <string name="energy_quote_fair_price_title">Fair price and no exit fees</string>

    <string name="energy_quote_form_intro">Octopus will give you an initial quote based on your answers.</string>
    <string name="energy_quote_form_title">Get a quote</string>

    <string name="energy_quote_how_cost_calculated">How is this cost calculated?</string>
    <string name="energy_quote_meter_economy7_subtitle">You pay different rates during the day and at night.</string>

    <string name="energy_quote_meter_smart_subtitle">Shows you how and when you use energy. If you switch to Octopus Energy, your smart meter will function as a standard meter.</string>

    <string name="energy_quote_meter_standard_subtitle">Most UK homes are fitted with standard meters.</string>

    <string name="energy_quote_meter_unknown_subtitle">Octopus can still give you a quote but it will be less accurate.</string>

    <string name="energy_quote_meter_unknown_subtitle">Octopus can still give you a quote but it will be less accurate.</string>

    <string name="energy_quote_month_label">/month</string>
    <string name="energy_quote_monzo_role_subtitle">In the future, you won’t need to shop around for a competitive energy tariff. We’ll make sure you’ve always got a great deal with Monzo.</string>
    <string name="energy_quote_monzo_role_title">We’ve got your back</string>
    <string name="energy_quote_renewable_subtitle">Octopus uses 100% renewable electricity.</string>
    <string name="energy_quote_renewable_title">Eco-friendly</string>
    <string name="energy_quote_switch_for_you_subtitle">Octopus will tell your current provider and your energy won’t be cut off.</string>
    <string name="energy_quote_switch_for_you_title">Octopus will switch for you</string>
    <string name="energy_quote_terms_check_box">I have read and agree to the Octopus Energy %s</string>
    <string name="energy_quote_terms_clickable_part">T&amp;Cs and Privacy Policy</string>
    <string name="energy_switch_success_subtitle">Octopus Energy will confirm your switch by email in the next few days.</string>
    <string name="energy_switch_success_title">You’re all set</string>
    <string name="energy_tariff_subtitle">We suggest checking your new energy plan to make sure everything’s correct.</string>


Looks like Monzo’s partnered with Octopus this time around :slight_smile:

<string name="business_account_title">Business account</string>

<string name="welcome_monzo_business_body">The quickest way to add money to your business account is via bank transfer using the details above. You can find these again at anytime via the Account screen.</string>
<string name="welcome_monzo_business_title">Your business account is all set up and ready to go!</string>

Getting that bit closer to Business accounts :wink: That’s all we have in this release though :stuck_out_tongue_winking_eye:

    <string name="referral_tracker_step_1">Email added</string>
    <string name="referral_tracker_step_2">Download Monzo</string>
    <string name="referral_tracker_step_3">Card used</string>

Getting a bit closer to tracking the joining progress of your friends (if you’ve invited them :smile:)


image image

Little Monzo with a £ and a huge Octopus :joy:

Switch energy accounts
Monzo for Android - Beta Channel Changelog :male_detective:
(Adam) #16

So how do you get to the energy comparison page? Or is this a deep link you’re using?

(Nathan) #17

Octopus unfortunately don’t supply to Northern Ireland.
And business accounts arent something ill need anytime soon.

Dare I say it im feeling a little sad and selfish with the latest developments not being available for me :laughing:

(Marcus Nailor, Hot Coral Detective) #18

Deep link :slight_smile:

You can’t click them from inside discourse (sadly :frowning:) but it’s monzo://energy_quote :slight_smile:

(Joe) #19

When you go on the link, you get this "We’ve got your back. In the future you won’t need to shop around for a competitive energy tariff. We’ll make sure you’ve always got a great deal with Monzo’. So i’m presuming they’re planning on getting others signed up pretty quickly

(Marcus Nailor, Hot Coral Detective) #20

Feature Flags :eyes:


<boolean name="monzo_requests_enabled" value="false" />
<boolean name="business_signup_enabled" value="false" />
<boolean name="business_account_switcher_enabled" value="false" />
<boolean name="multi_provider_savings_enabled" value="false" />
<boolean name="personalised_card_order_manufacturer_idemia" value="false" />
<boolean name="energy_switch_enabled" value="false" />
<boolean name="sync_token_manager_enabled" value="false" />
<boolean name="credit_builder_enabled" value="false" />


<boolean name="joint_account_cass" value="false" /> ... <boolean name="joint_account_cass" value="true" />
<boolean name="signup_notifications_opt_in_stage_enabled" value="true" /> ... DELETED
<boolean name="savings_v2_available" value="true" /> ... <boolean name="savings_v2_available" value="false" /> (Savings Pots)

(Michael) #21


:drooling_face: Personalised cards.

(Nicholas Robinson-Wall) #22

FWIW - all monzo cards are considered “personalised” (e.g. embossed with your name). We’re adding a new manufacturer soon and this feature flag isn’t intended to control any new app behaviour.

(Marcus Nailor, Hot Coral Detective) #23

Interesting stuff! :eyes:

I instantly assumed it would have something to do with colour selection or something crazy like that :stuck_out_tongue_winking_eye:

(Michael) #24

Booo. That’s less exciting. :sob:

(Rika Raybould) #25

This feature flag controls something my team has been working on for the last couple of months. It controls if your card orders are sent to a particular manufacturer. In this case, IDEMIA!

For some background, due to our growth and some future project demands, we’re adding another card manufacturer to our supplier pool.

When you order a card, it’s put in a queue of card orders, batched up, and sent out to manufacturers at multiple points in the day. This is how we get such quick dispatch times. :boom:

If all goes well, you shouldn’t notice a single thing. The cards look and act exactly the same as recent cards from our other suppliers, though they are all coral core and have the smaller chip contacts.

The only new user-facing feature we’ve added is that if you’re getting a card sent abroad, you’ll now receive the tracking number as a feed item, rather than having to go through support and ask for it. :post_office:

(Michael) #26

That’s pretty cool … if you need an independent judge of the new provider vs old cards, more than happy to help :eyes:


Is this also the case if you get a card sent by recorded delivery in the UK?


I wonder what effect Smart Meters will have on energy supplier switching in the near future, especially since every home in Britain should have been offered one by the end of this year.

If Monzo somehow link up to Smart Meters and get usage data, then I imagine they could build up a profile for a customer to accurately predict their energy usage (similar to how they build profiles to predict unusual transactions). Then they could suggest potential switches to the customer based on the data.