Monzo for Android - Teardowns & Deep Dives 👨‍💻


So we can now add Geography to the reasons for account mis-parity? (un-parity?) :wink:


It’s natural for the US and UK to have different features, as they’re completely different products.


And we did all vote to remove it. :sweat_smile:

Let’s see if the US have the same vote in ~12 months time :speak_no_evil:


Yeah, it was said tongue-in-cheek, honest!

Although I’m curious as to why you’d develop things this way, are the differences THAT striking? Whilst I know the machinations of US vendors are a fair bit different, I can’t imagine why the app would need to be?

A conversation for a different thread though! :slight_smile:

I’d be interested in this too. Also, why can UK customers access US features?

Does that mean the reverse too? As I believe some things haven’t been officially released on the US accounts yet that we already have :thinking: So if I posted some deep links to UK things, could US people access it?

That’s only Android folks though, if you could.

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You know what? We get it. There’s a parity issue. Thanks for mentioning it. Again.


Do people get warned off posting the breakdowns on here? :thinking:

I don’t think so, a few Monzo staff have publicly commented that they find it fascinating what people find on here, I just think it’s a lot of work which is generously done by people in the community. The people that normally do them are probably just busy


I never did! :grin: And I was doing teardowns for over a year :stuck_out_tongue_winking_eye:

The only thing I ever chose to hold back, for 1 day, was the crowdfunding code back before that happened because I figured there was going to be a lot of press coverage & wouldn’t want to have stepped on any toes :yum: but whenever I’ve spoken to Monzo staff about it (before I started working here), they were all very happy for me/the community to be doing teardowns :hot_coral_heart:


Then you abandoned us :sob: :broken_heart:


Yes, significantly. Things like much higher cash usage, much lower contactless/chip and pin adoption, different attitudes towards tipping etc.

The reason behind this screen specifically is because it is very common to be paid bi-weekly or weekly in the US, unlike the UK, and we’re experimenting with approaches to help people budget around those pay cycles.


Pay cycles, that makes sense.

Cash usage, low contactless, are a puzzle, can’t imagine features that revolve around those that don’t apply to both sides of The Atlantic… tipping for sure though!

Not a complaint BTW, genuinely curious to the challenges you face.

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I’d also be curious why pay cycles should be US specific. If the work Monzo-side is done, why not make it UK too? I know I, for one, get paid weekly :man_shrugging:t2:


Actually yes, I do too. Not quite sure how that skipped my attention (pre-caffeine brain be damned!).

Yes, for those of us who are paid fortnightly too.

3.21.0 has landed - no real visible changes, but sounds like lots under the hood…

Anyone got any insight? I might have to reinstall some tools on my laptop to take a look

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They definitely dropped some hints that there is some exciting stuff in the update. Will be good to see what tear down shows

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Really missing these tear downs if anybody fancies having a go… pwetty please

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Very disappointing.