Monzo for Android - Teardowns & Deep Dives 👨‍💻

I thought the same thing

Compared it to a previous screen recording, definitely bigger:

Maybe they are bigger to bring them within thumb scroll range. The larger cards do seem to make it easier to scroll between cards when the transaction feed has been pulled down.

:tada: NEW – Version: 2.57.0 :tada:

Disclaimer: things below are subject to change, could just be tests or might be reverted!

Feature Flag Changes:

New:

<boolean name="task_route_settings_section_enabled" value="true" />

<boolean name="low_value_topup_enabled" value="false" />

<boolean name="savings_issue_enabled_OakNorth_2019_07_11_Fixed_3M" value="false" />

<boolean name="required_tagging_for_calls" value="true" />

<boolean name="home_feed_v2_enabled" value="false" />

<boolean name="interest_summary_enabled" value="false" />

<boolean name="new_navigation_discovery_section_enabled" value="true" />

<boolean name="stripe_topup_allow_gb_card_on_us_partner_account" value="false" />

Experimant Flag Changes:

New:

<string name="previous_address_flow_signup">disabled</string>

<string name="salary_reminder_notification_uri">enabled</string>

Asset Changes:

New:

card_tilted_pebble_grey com-webp-to-png ic_friends_dollar ic_rewards_offers_empty_state monzo_logo_22dp

Notable String Changes:

New:

<string name="account_points_balance_card_title">Your points</string>
<string name="borrowing_hub_new_user_experiment_subtitle">When you need a helping hand</string>
<string name="borrowing_hub_new_user_experiment_text">Learn more about our loans and check if you’re eligible</string>
<string name="borrowing_hub_new_user_experiment_title">Loans with Monzo</string>
<string name="card_action_payment_limits">Payment limits</string>
<string name="order_card_account_type_name">Account type</string>
<string name="order_card_business_name">Business name</string>
<string name="order_card_business_name_subtitle">Maximum 23 characters</string>
<string name="order_card_business_name_title">What business name do you want on your card?</string>
<string name="order_card_trading_name">Trading name</string>

Monzo Plus Custom features are now optional features:

<string name="purchase_monzo_plus_custom_features_title">Optional Features</string>
<string name="purchase_monzo_plus_product_cost">%s a month</string>
<string name="purchase_monzo_plus_product_minimum_cost">From %s</string>

Saving the best till last!

As mentioned above the fist signs of payments from pots are in the android app, sadly no assets yet!

<string name="payments_details_pay_from_pot_header">Paid from</string>
<string name="payments_details_pay_from_pot_subtitle">Put money aside for this payment</string>

<string name="payments_details_pay_from_pot_title">Set Payment from Pot</string>
18 Likes

:tada: NEW – Version: 2.58.0 :tada:

Disclaimer: things below are subject to change, could just be tests or might be reverted!

Feature Flag Changes:

New:

<boolean name="savings_issue_enabled_OakNorth_2019_07_12_Fixed" value="true" />
<boolean name="savings_issue_enabled_Charter_2019_07_22_Easy_Access" value="true" />
<boolean name="savings_issue_enabled_Charter_2019_07_22_Fixed" value="true" />
<boolean name="support_advance_overdraft_payment_details" value="false" />
<boolean name="business_partner_perks_enabled" value="false" />

US payment related:

<boolean name="us_partner_ach_pull_enabled" value="false" />

I can’t see this in app yet:

<boolean name="monzo_plus_product_contents-insurance-uj" value="true" />

This is one I’m defintely looking forward too!

<boolean name="payments_from_pots_enabled" value="false" />
<boolean name="sca_login" value="false" />

Experimant Flag Changes:

New:

<string name="travel_insurance_naming">travel</string>

Asset Changes:

New:

card_activation_pan_pebble_grey – card_activation_pan_pebble_grey
ic_airport_lounge – ic_airport_lounge
ic_borrowing – ic_borrowing
ic_detail_card – ic_detail_card
ic_emergency_card – ic_emergency_card
ic_hourglass – ic_hourglass
phone_card_nfc_pebble_grey – phone_card_nfc_pebble_grey

Notable String Changes:

New:

<string name="account_external_card_balance_last_updated">Last updated %1$s</string>

More US payment strings:

<string name="ach_pull_button_format">Transfer %s</string>
<string name="ach_pull_info_format">This transfer will come from your %s bank account. Visit help to change account.</string>
<string name="ach_pull_prompt">How much would you like to transfer?</string>
<string name="ach_pull_success_subtitle">Your transfer will reach your account approximately on the %s</string>
<string name="ach_pull_success_title">Transfer request successful</string>
<string name="ach_pull_title">Bank Transfer</string>
<string name="ach_pull_webview_title">Link account</string>

<string name="add_money_option_ach_pull_desc">Link your bank and transfer within the Monzo app.</string>
<string name="add_money_option_ach_pull_title">Linked account</string>

It looks like even more Monzo plus features are just around the corner:

<string name="bundle_info_airport_lounge_description">Get discounted access to 1,200 airport lounges around the world.</string>
<string name="bundle_info_airport_lounge_title">Airport lounges</string>
<string name="bundle_info_button_text">I want this for %s a month</string>
<string name="bundle_info_emergency_card_description">Get a spare Monzo card in case you lose yours while you’re away.</string>
<string name="bundle_info_emergency_card_title">Emergency debit card</string>

Say hello to the metal Monzo card!

<string name="bundle_info_metal_card_description">Say hello to the metal Monzo card. Complete with a Snowdrift White finish.</string>
<string name="bundle_info_metal_card_title">The metal card</string>
<string name="bundle_info_small_print">You’ll get all this for %s a month for 12 months, which we’ll add on to your monthly Monzo Plus payment.</string>
<string name="bundle_info_subtitle">Monzo Plus</string>
<string name="bundle_info_title">What you’ll get</string>

<string name="card_only_intro_body_both">Say hello to the metal Monzo card. Complete with a Snowdrift White finish.</string>
<string name="card_only_intro_body_monthly">Say hello to the metal Monzo card. Complete with a Snowdrift White finish. &lt;br>&lt;br> It’s &lt;b>%s a month for 12 months&lt;/b>, which we’ll add on to your monthly Monzo Plus payment.</string>
<string name="card_only_intro_body_one_off">Say hello to the metal Monzo card. Complete with a Snowdrift White finish. &lt;br>&lt;br> It’s yours for a &lt;b>one off payment of %s&lt;/b>.</string>
<string name="card_only_intro_button_text_both">I want one</string>
<string name="card_only_intro_button_text_monthly">I want one for %s a month</string>
<string name="card_only_intro_button_text_one_off">I want one for %s</string>
<string name="card_only_intro_title">The metal one</string>
<string name="card_only_price_options_body">Pick how you’d like to pay for your metal card.</string>
<string name="card_only_price_options_button_text">Continue</string>
<string name="card_only_price_options_monthly_description">%s a month for 12 months</string>
<string name="card_only_price_options_monthly_title">Monthly</string>
<string name="card_only_price_options_one_off_description">%1$s (save %2$s)</string>
<string name="card_only_price_options_one_off_title">One-off payment</string>
<string name="card_only_price_options_title">Your payment</string>

<string name="final_screen_body">"We’re testing some things before we send out the first metal cards. We want to find a fair price for everyone.  We haven’t taken payment from you but we’ll let you know as soon as the cards are ready. You’ll be one of the first to get one!"</string>
<string name="final_screen_body_bundled">"We’re testing some things before we can give you these new features. We want to find a fair price for everyone.  We haven’t taken payment from you but we’ll let you know as soon as they’re ready. You’ll be one of the first to get them!"</string>
<string name="final_screen_button_text">Done</string>
<string name="final_screen_title">We need you to wait a little longer</string>

<string name="metal_card_title">Monzo Plus</string>
<string name="business_perks_header">Offers for your business</string>
<string name="business_perks_title">See what’s available</string>
<string name="overdraft_fee_breakdown_daily_fee_item_subtitle">Based on %1$s</string>
<string name="overdraft_fee_breakdown_daily_fee_item_title">%1$s of fixed fees</string>
<string name="overdraft_fee_breakdown_interest_item_subtitle">Based on %1$s EAR</string>
<string name="overdraft_fee_breakdown_interest_positive_title">%1$s of interests</string>
<string name="overdraft_fee_breakdown_interest_zero_title">Overdrawn for 0 days</string>
<string name="overdraft_fee_breakdown_title">Cost breakdown for %1$s</string>

<string name="overdraft_limit_a_day">%1$s a day</string>
<string name="overdraft_pending_fee_interest_overdrawn">We’ll charge you %1$s EAR only for the days you’re overdrawn.</string>

Seperate Monzo savings account (Pot)?

<string name="save_with_monzo_description">Save with your mind at ease. Your money is protected up to £85,000 by the FSCS (in addition to your Current Account).</string>
<string name="save_with_monzo_title">Save with Monzo</string>
<string name="savings_pot_name">Savings Pot name</string>
<string name="shared_tab_delete_participant_content_description">Delete</string>

<string name="shared_tab_split_bill_edit">Edit</string>
<string name="shared_tab_split_bill_edit_complete">Done</string>

<string name="split_bill_delete_participant_content_description">Delete</string>
<string name="split_bill_edit">Edit</string>
<string name="split_bill_edit_complete">Done</string>

New Deep Links:

None of these links work for me yet:

monzo://ach_pull
monzo://create_partial_pot
monzo://metal_card_signup

This works:

monzo:/monzo_plus

11 Likes

Hopefully this is the ability to edit bill splits and transactions added to Shared Tabs.

2 Likes

What do we think this one is?

It certainly allows some editing:


…well just cancel for now. Hopefully more to come.

1 Like

It’s a strange name indeed, maybe the separate Monzo savings pot? But that still doesn’t quite explain the wording.

1 Like

Been expecting the Monzo savings pot since Tom said Monzo would be scaling up lending. Makes sense for Monzo to encourage people to keep money in the actual Monzo account so it can be lent out.

2 Likes

But why “partial”?

Maybe partial is a pot that card transaction etc will still come out of if your balance is too low

Looks like the Metal cards will be a monthly or one-off payment which is pretty neat

4 Likes

Is it? Looks like it will be extra on top of the plus fee.

:tada: NEW – Version: 2.59.0 :tada:

Disclaimer: things below are subject to change, could just be tests or might be reverted!

Feature Flag Changes:

New:

<boolean name="improved_loan_repayments_enabled" value="false" />

<boolean name="android_subscription_new_details_enabled" value="false" />

<boolean name="savings_issue_enabled_Paragon_2019_07_25_Easy_Access" value="false" />

Less of an incentive to refer soon?

<boolean name="cash_referral_give_5_get_0" value="false" />

I wonder how this will be implimented:

<boolean name="strong_customer_authentication_login" value="false" />

False to true:

<boolean name="interest_summary_enabled" value="true" />

<boolean name="business_partner_perks_enabled" value="true" />

Experimant Flag Changes:

New:

<string name="account_interest">0.25</string>

<string name="business_banking_onboarding_test">onboarding_with_tour</string>

<string name="more_tab"></string>
<string name="energy_switch_new_user_copy">A</string>

Notable String Changes:

New:

<string name="combined_repayment_options_subtitle">You have %s left to pay</string>
<string name="combined_repayment_options_title">Make a Repayment</string>

<string name="manual_repayment_summary_extra_repayment">"You’ll have {loanBalance} left to pay. We’ll reduce the rest of your payments each month."</string>
<string name="pay_from_pot_pot_selection_action_button">Done</string>
<string name="pay_from_pot_selection_explanation">If you don’t pick a Pot, we’ll take the money from your main account balance.</string>

<string name="pot_detail_paid_from_pot">Paid from Pot</string>
<string name="repayment_dialog_confirmation_message" formatted="false">This is an extra repayment. So you’ll still need to pay your monthly amount of %s as normal on %s</string>
<string name="repayment_dialog_confirmation_negative">Cancel</string>
<string name="repayment_dialog_confirmation_positive">Pay Now</string>
<string name="repayment_dialog_confirmation_title">This isn’t your monthly payment</string>
<string name="repayment_option_pay_extra_subtitle">You’ll still pay off your monthly amount as usual</string>
<string name="repayment_option_pay_extra_title">Pay off a little extra</string>
<string name="repayment_option_pay_in_full_subtitle">Pay back %s</string>
<string name="repayment_option_pay_in_full_title">Pay in full</string>
<string name="repayment_option_pay_monthly_amount_early_subtitle" formatted="false">Pay %s before %s with no fees</string>
<string name="repayment_option_pay_monthly_amount_early_title">Pay your monthly amount early</string>
<string name="repayment_options_header">There are a bunch of ways to repay your loan</string>
<string name="repayment_options_toolbar_title">Make a repayment</string>
3 Likes

Time for the Gym everyone, concentrate on the core and keep it safe. Only the strong get access from 2.59 onward :muscle: :monzocard:

8 Likes

it means physically strong, you have to rip your phone in half to login

5 Likes

Interesting. I wonder if this means Monzo is planning on paying interest on account balances :thinking:

8 Likes

:tada: NEW – Version: 2.60.0 :tada:

Disclaimer: things below are subject to change, could just be tests or might be reverted!

Some exciting and interesting changes this week!

Monzo Plus Changes:

<boolean name="monzo_plus_stacked_bundles_enabled" value="false" />
<string name="monzo_plus_offer_action_skip">I’m not interested</string>
<string name="monzo_plus_offer_action_submit">Get Monzo Plus</string>
<string name="monzo_plus_offer_body">Get more from your Monzo experience for a small monthly fee.</string>
<string name="monzo_plus_offer_feature_card">An exclusive Monzo Plus card</string>
<string name="monzo_plus_offer_feature_interest">1.5% interest on your balance and money in Regular Pots (up to £4,000)</string>
<string name="monzo_plus_offer_feature_monzome">A personalised Monzo.me username - for requesting money using just a link</string>
<string name="monzo_plus_offer_feature_offers">Discounts and offers from a variety of brands</string>
<string name="monzo_plus_offer_period">(for 12 months)</string>
<string name="monzo_plus_offer_price_after_amount"> a month</string>
<string name="monzo_plus_offer_price_description">What you will get</string>
<string name="monzo_plus_offer_toolbar_title">Monzo Plus</string>

<string name="monzo_plus_onboarding_error_loading">We’re having some trouble fetching the bundles at the moment. Please try again in a bit.</string>
<string name="monzo_plus_onboarding_toolbar_title">Monzo Plus</string>

<string name="monzo_plus_select_card_action_select">Next</string>
<string name="monzo_plus_select_card_body">Pick a colour for your Monzo Plus card.</string>
<string name="monzo_plus_select_card_not_selected">%s, not selected</string>
<string name="monzo_plus_select_card_selected">%s, selected</string>
<string name="monzo_plus_select_card_toolbar_title">Monzo Plus Card</string>

<string name="purchase_monzo_plus_not_enough_funds_add_money">Add money</string>
<string name="purchase_monzo_plus_not_enough_funds_cancel">Cancel</string>
<string name="purchase_monzo_plus_not_enough_funds_message">You don’t have enough money in your account at the moment.</string>
<string name="purchase_monzo_plus_not_enough_funds_title">Payment failed</string>

Business Account Changes:

<boolean name="business_tax_pots_enabled" value="false" />
<string name="pot_class_subtitles_tax">"For any amount Add and withdraw instantly Set a % of income aside automatically"</string>
<string name="pot_class_tax_title">For putting tax aside</string>
<string name="pot_class_title_tax">Tax Pot</string>
<string name="pot_enable_tax_percentage_title">Enable Tax Pot</string>
<string name="pot_tax_percentage_changed_warning_message">We’ll update the percentage of future income that we put into your Tax Pot.</string>
<string name="pot_tax_percentage_changed_warning_positive_button">Update</string>
<string name="pot_tax_percentage_changed_warning_title">Change the amount you set aside?</string>
<string name="pot_tax_percentage_description">We’ll automatically put a percentage of your income into the Pot every time you get paid.</string>
<string name="pot_type_tax_already_exists_warning_button_positive">OK</string>
<string name="pot_type_tax_already_exists_warning_message">To open a new one, you’ll need to close down \"%s\".</string>
<string name="pot_type_tax_already_exists_warning_title">You can only have one Tax Pot at a time</string>

Trustpilot:

<string name="trustpilot_dialog_body">Let us know on Trustpilot. We’ll share your name and email so you can leave a review, fast.</string>
<string name="trustpilot_dialog_confirm">Yes</string>
<string name="trustpilot_dialog_title">Enjoying Monzo?</string>
<string name="trustpilot_review_title">Trustpilot Review</string>

(deeplink below)

Lending Changes:

<boolean name="overdraft_apr_api_enabled" value="false" />
<boolean name="new_navigation_manage_loan_v2_enabled" value="false" />
<string name="manage_loan_content_item_repayments_header">Repayments</string>
<string name="manage_loan_content_item_repayments_header_detail" formatted="false">%s left (out of %s)</string>
<string name="manage_loan_content_item_see_all">See all (%s)</string>
<string name="manage_loan_content_item_show_less">Show Less</string>
<string name="manage_loan_content_item_total_paid_so_far">Total paid so far</string>

Other:

<boolean name="bizops_create_disputes_note_todos_august_19" value="false" />

<boolean name="us_partner_nearby_enabled" value="false" />

<boolean name="monzo_helper_first_time_greeting_enabled" value="false" />

<string name="developer_options_pref_key_flipper">flipper</string>

<string name="see_all_interest_title">See all interest</string>

Assets

Tax Pot:
Artboard%202

Monzo Plus:
Artboard%203

Deeplinks:

monzo://monzo_points_campaign
monzo://trustpilot_review_prompt

9 Likes

I noticed in the Monzo Plus features that it doesn’t mention Swag anymore :eyes: