Monzo for Android - Teardowns & Deep Dives 👨‍💻

That’s correct. As written above, the order of string entries are alphabetical-changes only. So ‘custom…’ will always be close to ‘deep…’. Looking at the full list shows many unchanged entries in-between them. But they are only string names which are referenced by other sections of code and so any interaction could be to/from anywhere.

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The Gourmet Society card too

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Do we think custom categories will apply to joint accounts? If it’s a paid feature then would both account holders need to pay? What happens if one account stops paying etc etc.

I hope this complexity means it’s a free for all feature🤞

Last time Plus was only for current accounts. Monzo said it was too complex to be able to offer it for joint accounts as insurance and such would then need to cover 2 people.

My guess is that the same will apply this time. If it becomes successful I imagine they would roll out joint account support at a later date.

3.23.1 (beta) landed.

I can see lots of low-level code changes but nothing visual or spectacular. Nothing to see here.

Oh, mentions above of the Gourmet Society card - here is the card image;

gourmet_society_card_image

5 Likes

Version 3.24.0 changes;

Account picker;

<string name="app_account_picker_dialog_title">Choose an account</string>

Business account sign-up changes;

<string name="business_signup_company_size_assets_label">Total assets</string>
<string name="business_signup_company_size_assets_options_title">Total assets</string>
<string name="business_signup_company_size_body">We collect this for regulation and to determine your FSCS eligibility.</string>

<string name="business_signup_company_size_title">Roughly what size is your business currently?</string>

<string name="business_signup_company_size_turnover_label">Annual turnover</string>
<string name="business_signup_company_size_turnover_options_title">Annual turnover</string>

<string name="business_signup_completed_message">"Your card’s on the way. Remember to activate it in the app when it arrives. To access your business account, tap your profile picture then swipe across."</string>
<string name="business_signup_completed_primary_button">Go to account</string>
<string name="business_signup_completed_title">Your business account is ready!</string>

<string name="business_tour_all_features_action">Explore plans</string>
<string name="business_tour_direct_debit_subtitle">See all your scheduled payments</string>
<string name="business_tour_direct_debit_title">Manage Direct Debits</string>
<string name="business_tour_eligibility_action">Check eligibility</string>
<string name="business_tour_feature_web_subtitle">Manage your money from anywhere</string>
<string name="business_tour_feature_web_title">Mobile and web access</string>
<string name="business_tour_fscs_eligibility_action">FSCS eligibility</string>
<string name="business_tour_fscs_subtitle">Just like the high street banks</string>
<string name="business_tour_fscs_title">£85,000 FSCS protection</string>
<string name="business_tour_integrations_subtitle">Sync tools or export transactions</string>
<string name="business_tour_integrations_title">Integrated accounting</string>
<string name="business_tour_invocing_subtitle">Create, send and track invoices</string>
<string name="business_tour_invocing_title">Invoicing</string>
<string name="business_tour_multi_user_subtitle">Add up to 2 others to your account</string>
<string name="business_tour_multi_user_title">Multi-user access</string>
<string name="business_tour_notification_subtitle">The second you pay, or get paid</string>
<string name="business_tour_notification_title">Instant notifications</string>
<string name="business_tour_page1_description">Everything you’d expect from a full UK bank, plus the Monzo magic.</string>
<string name="business_tour_page1_title">With the best of Monzo</string>
<string name="business_tour_page2_description">With time-saving tools that help solve real business problems.</string>
<string name="business_tour_page2_title">Built for real businesses</string>
<string name="business_tour_page3_description">Your money’s protected up to £85,000 by the FSCS if you’re eligible. And as a fully regulated UK bank, we adhere to the same rules as all high street banks.</string>
<string name="business_tour_page3_title">Complete peace of mind</string>
<string name="business_tour_page4_description">"All right here in the app. Once your account’s open, switch from your old bank hassle-free, if you want to. Right now, we only offer accounts to sole traders and limited companies who’re UK-based and only pay tax in the UK."</string>
<string name="business_tour_page4_title">Open a bank account in minutes</string>
<string name="business_tour_receipts_subtitle">Add receipts to payments</string>
<string name="business_tour_receipts_title">Digital receipts</string>
<string name="business_tour_security_subtitle">So you know your money’s safe</string>
<string name="business_tour_security_title">Advanced security</string>
<string name="business_tour_support_subtitle">Human help in the app, 24/7</string>
<string name="business_tour_support_title">Award winning support</string>
<string name="business_tour_tax_pot_subtitle">Automatically set aside tax money</string>
<string name="business_tour_tax_pot_title">Tax Pots</string>
<string name="business_tour_transfers_subtitle">Unlimited UK fee-free transfers</string>
<string name="business_tour_transfers_title">Free, instant UK bank transfers</string>

oooh - blocking spending at selected merchants;

<string name="card_management_blocked_merchants">Blocked Merchants</string>

CoP;

<string name="confirmation_of_payee_account_type">Account type</string>
<string name="confirmation_of_payee_account_type_format">The account type you entered doesn’t match the type on the records of %1$s &lt;b>(%2$s)&lt;/b></string>
<string name="confirmation_of_payee_back_to_details">Back to details</string>
<string name="confirmation_of_payee_continue_anyway">Continue anyway</string>
<string name="confirmation_of_payee_error_alert_message">"If you’re not sure, cancel this payment. Once you make a payment, it’s almost impossible for us to get the money back."</string>
<string name="confirmation_of_payee_error_alert_title">Could someone be trying to scam you?</string>
<string name="confirmation_of_payee_error_message">This doesn’t necessarily mean the account details are wrong. But we’d suggest double checking them before you pay.</string>
<string name="confirmation_of_payee_error_title">We couldn’t check this account</string>

<string name="confirmation_of_payee_recipient">Recipient</string>
<string name="confirmation_of_payee_recipient_format">The name you entered doesn’t match the name on the records of %1$s &lt;b>(%2$s)&lt;/b></string>

Some sort of developer auto-login?;

<string name="developer_options_pref_key_auto_login">auto_login</string>

More merchant blocking;

<string name="merchant_block_dialog_negative_button">Cancel</string>
<string name="merchant_block_dialog_positive_button">Unblock</string>
<string name="merchant_block_footer">Merchants you block will be added here</string>
<string name="merchant_block_item_button_text">unblock</string>
<string name="merchant_block_no_merchant_block">"You don’t have any blocked merchants. To block your spending somewhere, open a payment to somewhere you want to block and scroll to the bottom."</string>
<string name="merchant_block_toolbar_title">Blocked merchants</string>
<string name="merchant_block_unblock_description">"You’ll be able to spend with this merchant again. Remember your reason for blocking them:\"%s\""</string>
<string name="merchant_block_unblock_title">Are you sure you want to unblock %s?</string>

Location based offers;

<string name="settings_location_based_special_offers">Location-based offers</string>
<string name="settings_location_subtitle">We’ll only use your location if you explicitly opted in.</string>

New Assets;

fast_clock_illustration ic_alert_black_fill ic_match ic_no_match ic_person_round ic_question_round icn_briefcase icn_digital_receipt icn_fscs_purple icn_pund_in_envelop icn_taxpot_percentage

17 Likes

Looks like a proper web version of Monzo has been (is being?) built for business. V keen to see what this looks like. And whether we might get access on personal accounts too…

Cashback potentially?

Wonder if this will be a Monzo Plus feature?

Version 3.25.0;

A few minor changes to business account onboarding and this new block of strings;

<string name="tx_details_downgrade_custom_category_message">‘%s’ isn’t available because you don’t have custom categories anymore.</string>
<string name="tx_details_downgrade_custom_category_title">Custom categories unavailable</string>
<string name="tx_details_downgrade_custom_split_category_message">Can’t edit categories because you don’t have the option to apply multiple or custom categories to a transaction anymore.</string>
<string name="tx_details_downgrade_custom_split_category_title">Multiple or custom categories unavailable</string>
<string name="tx_details_downgrade_split_category_message">Can’t edit categories because you can’t divide a payment into multiple categories anymore.</string>
<string name="tx_details_downgrade_split_category_title">Multiple categories unavailable</string>
<string name="tx_details_error_category_cancel">Cancel</string>
<string name="tx_details_error_category_one_zero_action">Pick new category</string>
<string name="tx_details_paid_category_subtitle">Create or pick multiple categories</string>

Added assets - a ‘Paid Tab’ star and a Virtual Card overlay (image has white area/text)

icn_tab_paid
img_card_details_virtual

6 Likes

Basically confirms Split categories and custom categories both Plus then!

8 Likes

Sad emotes only…

1 Like

Gutted, thought these would be free to avoid the complication of joint accounts.

Can only assume this won’t be a joint account feature now. Sad times :cry:

I do hope that if you both have plus you can use it on your point account

Or maybe a discount for joint account holders I.e. 67% of the total for 2 people to get Plus

Version 3.26.0 - looks like some biggies in this one;

Different colours (not sure if this is in-app only);

<string name="beige">Beige</string>
<string name="blue">Blue</string>
<string name="boulder_grey">Boulder grey</string>
<string name="hot_coral">Hot coral</string>
<string name="lagoon_blue">Lagoon blue</string>
<string name="lime_green">Lime green</string>
<string name="maroon">Maroon</string>
<string name="navy">Navy</string>
<string name="orange">Orange</string>
<string name="pebble_grey">Pebble grey</string>
<string name="pink">Pink</string>
<string name="purple">Purple</string>
<string name="red">Red</string>
<string name="royal_blue">Royal blue</string>
<string name="teal">Teal</string>
<string name="white">White</string>
<string name="yellow">Yellow</string>    

Blocked card notification (new blocked card asset too at the end);

<string name="card_blocked_action">Card Blocked</string>
<string name="card_blocked_dialog_message">"We’ve blocked your card to protect your account. This means card payments won’t work but you can still send and receive bank transfers. We can’t unblock your card unless you need to use it in an emergency. If that’s the case, please get in touch."</string><string name="card_blocked_dialog_title">Keeping you safe</string>

Categories - and quite a few of them;

<string name="categories_header">Category budgets</string>
<string name="category_abstract_gesture">Scribble</string>
<string name="category_abstract_grain">Dots</string>
<string name="category_abstract_graphic_eq">Lines</string>
<string name="category_abstract_layers">Layers</string>
<string name="category_abstract_origin">Circles</string>
<string name="category_abstract_star">Star</string>
<string name="category_abstract_waves">Waves</string>
<string name="category_activity_art">Paint palette</string>
<string name="category_activity_cinema">Cinema</string>
<string name="category_activity_competition">Trophy</string>
<string name="category_activity_cooking">Chef hat</string>
<string name="category_activity_diy">Wrench</string>
<string name="category_activity_education">Graduation hat</string>
<string name="category_activity_games">Dice</string>
<string name="category_activity_gardening">Flower</string>
<string name="category_activity_music">Musical note</string>
<string name="category_activity_photography">Camera</string>
<string name="category_activity_reading">Book</string>
<string name="category_activity_spending">Credit card</string>
<string name="category_activity_theatre">Theatre</string>
<string name="category_activity_toys">Pinwheel</string>
<string name="category_activity_video_games">Video game controller</string>
<string name="category_default_bills">Light bulb</string>
<string name="category_default_charity">Ribbon</string>
<string name="category_default_eating_out">Cutlery</string>
<string name="category_default_entertainment">Happy face</string>
<string name="category_default_expenses">Expenses</string>
<string name="category_default_family">House</string>
<string name="category_default_finances">Cash</string>
<string name="category_default_general">Shapes</string>
<string name="category_default_gifts">Gift</string>
<string name="category_default_groceries">Bananas</string>
<string name="category_default_holidays">Suitcase</string>
<string name="category_default_personal_care">Heart</string>
<string name="category_default_shopping">Shopping bag</string>
<string name="category_default_transport">Train</string>
<string name="category_food_drink_bbq">Barbecue</string>
<string name="category_food_drink_beer">Beer</string>
<string name="category_food_drink_burger">Burger</string>
<string name="category_food_drink_cocktail">Cocktail</string>
<string name="category_food_drink_coffee">Coffee</string>
<string name="category_food_drink_pizza">Pizza</string>
<string name="category_food_drink_tea">Tea</string>
<string name="category_personal_baby">Pram</string>
<string name="category_personal_beauty">Lipstick</string>
<string name="category_personal_birthday">Birthday cake</string>
<string name="category_personal_cat">Cat</string>
<string name="category_personal_computer">Computer</string>
<string name="category_personal_couple">Couple</string>
<string name="category_personal_dog">Dog</string>
<string name="category_personal_eco">Leaf</string>
<string name="category_personal_glasses">Glasses</string>
<string name="category_personal_health">Heart</string>
<string name="category_personal_medicine">Pill</string>
<string name="category_personal_person">Person</string>
<string name="category_personal_pets">Paw</string>
<string name="category_personal_pharmacy">Pharmacy</string>
<string name="category_personal_phone">Phone</string>
<string name="category_personal_single">Single</string>
<string name="category_personal_smoking">Smoking</string>
<string name="category_personal_wheelchair">Wheelchair</string>
<string name="category_sport_basketball">Basketball</string>
<string name="category_sport_cricket">Cricket</string>
<string name="category_sport_football">Football</string>
<string name="category_sport_gym">Weights</string>
<string name="category_sport_rugby">Rugby</string>
<string name="category_sport_tennis">Tennis</string>
<string name="category_transport_bicycle">Bicycle</string>
<string name="category_transport_bus">Bus</string>
<string name="category_transport_car">Car</string>
<string name="category_transport_ev_station">Electric vehicle charge</string>
<string name="category_transport_fuel">Fuel</string>
<string name="category_travel_airplane">Airplane</string>
<string name="category_travel_beach">Parasol</string>
<string name="category_travel_city">City</string>
<string name="category_travel_earth">Earth</string>
<string name="category_travel_globe">Globe</string>
<string name="category_travel_hotel">Bed</string>
<string name="category_travel_mountains">Mountains</string>
<string name="category_travel_spa">Spa</string>
<string name="category_unknown">Missing</string>
<string name="category_weather_cloud">Cloud</string>
<string name="category_weather_moon">Moon</string>
<string name="category_weather_snow">Snow</string>
<string name="category_weather_sun">Sun</string>

Macro budgeting appears to have been removed from this version.

Gradients - must be in-app only (maybe for Virtual cards?);

<string name="gradient_carrot">Gradient carrot</string>
<string name="gradient_crimson">Gradient crimson</string>
<string name="gradient_holo_blue">Holo blue</string>
<string name="gradient_lavender">Gradient lavender</string>
<string name="gradient_pear">Gradient pear</string>
<string name="gradient_purple">Gradient purple</string>
<string name="gradient_sand">Gradient sand</string>
<string name="gradient_sea">Gradient sea</string>
<string name="gradient_sky">Gradient sky</string>
<string name="green">Green</string>
<string name="grey">Grey</string>

No idea what this is;

<string name="item_selected_content_description">%s, selected</string>

Some sort of drill–down feature?;

<string name="nav_analytics">Analytics</string>

New Overdraft stuff;

<string name="overdraft_apr_explanation_action_text">Learn More</string>
<string name="overdraft_apr_explanation_message">Due to new regulation we are now charging you an interest rate instead of 50p a day for the days you’re overdrawn.</string>
<string name="overdraft_apr_explanation_title">What is EAR/APR?</string>

<string name="overdraft_charges_feed_item_subtitle">We will charge you on %1$s</string>
<string name="overdraft_charges_feed_item_subtitle_legacy">See your breakdown - we won’t charge yet.</string>
<string name="overdraft_charges_feed_item_title">%1$s overdraft charges so far</string>
<string name="overdraft_charges_feed_item_title_legacy">%1$s charges so far</string>

Money transfer stuff;

<string name="paid_add_money_body">Transfer money to Monzo and we’ll take %1$s right away to make your first monthly payment.</string>
<string name="paid_add_money_continue_button">Continue</string>
<string name="paid_add_money_hint">&lt;b>When you add money,&lt;/b> we’ll charge you &lt;b>$amount a month&lt;/b> for a &lt;b>minimum of %1$d months.&lt;/b></string>
<string name="paid_add_money_title">Add at least %1$s to pay for %2$s</string>

Location-based stuff (CHECK OUT THE ACCOUNT TYPE NAMES);

<string name="settings_location_based_special_offers">Finding nearby restaurants</string>
<string name="settings_location_based_special_offers_subtitle">For Monzo Plus and Monzo Premium</string>
<string name="settings_location_subtitle">We’ll only use your location if you opted in.</string>
<string name="settings_location_title">Location</string>

Interest pot changes;

<string name="transaction_pot_deleted_title">%s (Deleted)</string>
<string name="transaction_pot_extra_information_credit">Added to Pot</string>
<string name="transaction_pot_extra_information_credit_delay">Added to your interest-earning Pot, powered by %s. You’ll start earning interest on the next working day.</string>
<string name="transaction_pot_extra_information_debit">Withdrawn from Pot</string>
<string name="transaction_pot_extra_information_debit_delay">Withdrawn from your interest-earning Savings Pot with %s. Arriving back into your account on the next business day.</string>

Some sort of transfer protocol from old Plus to ‘New Plus/Premium’?;

<string name="txui_paid_cancellation_fee_subtitle">Cancellation fee</string>
<string name="txui_paid_initial_debit_subtitle">Welcome to the club %s</string>
<string name="txui_paid_legacy_plus_upgrade_subtitle">Thanks for being an early adopter</string>
<string name="txui_paid_refund_subtitle">Refund</string>

Virtual Card account selection;

<string name="vc_create_money_source_footer">When you use these card details, the money will come from this account.</string>

NEW ASSETS;
chat_bubbles_business_grey fps_logo ic_blocked_action_info icn_category_activity_toys icn_category_personal_cat icn_category_personal_dog icn_tab_analytics img_card_blocked

11 Likes

Exciting!

Take-aways:

Virtual Cards

  • Lots of choice on what colour your virtual card will be in app! (this is confirmed by a previous teardown where there was a select colour option for virtual cards)
  • We thought this may be from a pot but it does say account here so may not actually be able to be assigned to a pot? Can’t remember if we’ve had any hard confirmation (from a teardown) about assigning a virtual card to a pot.

Categories

  • Presuming these are just choices of icon to assign your custom category, but I guess there’s also a chance we could be getting a whole lot more categories as well? Lots of variety though!

New plus is called:

Monzo Plus
and
Monzo Premium

New tab called analytics potentially? Could be for virtual cards?

11 Likes

Hopefully this means launch is imminent :eyes:

2 Likes

Wow, wasn’t the Plus naming excercise they set the community on totally worth it.

I mean I’m sure they couldn’t of arrived at Monzo Plus and Monzo Premium without us :confused:

Actually am quite surprised though that they have stayed with Plus. I thought they’d want to distance the new product from the old.

3 Likes

This surprised me too. We were asked for suggestions for all 3 accounts (1x free & 2x paid) and yet the breakdown seems to relate just 2 names to the 2 paid accounts. The naming in the current code could be a planned red-herring though :wink:

Anyway, I got one right;

It could be a bluff and it’s just a text placeholder, it shouldn’t be too hard to change.

1 Like