Monzo for Android - Teardowns & Deep Dives 👨‍💻

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

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
<string name="txui_paid_legacy_plus_upgrade_subtitle">Thanks for being an early adopter</string>
legacy_plus_upgrade

Ready to upgrade any time! :smiley: ( I am still legacy Plus user )

8 Likes

Sounds like you will get a discount for new plus

1 Like

Version 3.27.0 - not many changes, although I’ve only briefly parsed this one without digging too much, based on the filesize. A few graphics additions (in-app cards) but nothing we haven’t seen before. The major string changes are the ones below plus a few re-worded ones that don’t seem massively different.

A rather curious disclaimer re; getting paid early;

<string name="pay_early_intro_body">"Get your salary paid into Monzo, and we’ll put it into your account a day early at 4 PM. No hassle, just more time with your money. A heads up: we can stop offering get paid early, or change this service at any time."</string>

Charity donations!;

i<string name="pot_donate_to_charity_link">Learn more</string>
<string name="pot_donate_to_charity_more_charities_coming_soon">We’ll be adding more charities in the coming weeks.</string>
<string name="pot_donate_to_charity_suggest_charity">Suggest charity</string>

Custom statement period;

<string name="statemen_custom_period_button_text">Customise date range</string>
<string name="statement_custom_period_end_date_title">End date</string>
<string name="statement_custom_period_start_date_title">Start date</string>

Tipping! - US-app only?

<string name="tipping_cash_tip">I’m leaving a cash tip</string>
<string name="tipping_explanation">Sometimes tips can take days to appear on your account. Logging your tip updates your balance immediately while your bill is being processed.</string>
<string name="tipping_explanation_format">Sometimes tips can take days to appear on your account. Logging your tip updates your balance immediately while %s processes your bill.</string>
<string name="tipping_header">How much tip are you leaving?</string>
<string name="tipping_header_format">How much tip are you leaving at %s?</string>
<string name="tipping_intro_page_one_message">Forget mental math and let Monzo calculate your tip for you. We’ll send you an instant notification with a suggested tip amount or you can toggle the tip percentage in the new tip calculator.</string>
<string name="tipping_intro_page_one_title">Tip Calculator</string>
<string name="tipping_intro_page_two_message">Sometimes the tip you leave at a restaurant can take days to show up on your account. Use tip logging to tell us how much tip you left on your bill and we’ll update your balance immediately.</string>
<string name="tipping_intro_page_two_title">Tip Logging</string>
<string name="tipping_label_total">Total</string>
<string name="tipping_report_tip">Log tip</string>
<string name="tipping_title">Tip</string><string name="transaction_action_tip">Tip</string>
<string name="transaction_action_tip_cash">Cash</string><string name="transaction_report_tip_action_cash">Cash</string>
<string name="transaction_report_tip_action_title">Tip</string>
6 Likes

I guess this is a possible plus feature now

I hope not it would be useful in the UK as well

The only change I’ve noticed is a random black icon :slight_smile:

This bothered me more than it should :rofl:

Summary

2 Likes

Bravo :clap: A proper eye for detail there :mag:

I double-checked - and it is in the code like that :eyes:

1 Like

It has made me unpopular with colleagues in the past when I was doing code reviews :eyes: :grimacing:

3 Likes

How would you use this here in the uk? :thinking:

The reason its useful in the us is because the tip goes through as a seperate transaction but isnt done at the same time as the original.

That would be rather sneaky!

1 Like

OH, I didn’t know that
The tip calculator would be useful

Agreed, not sure how I feel about this if it is the case

Eh it’s probably more of a disclaimer and a suggestion not to rely on it as your actual payday.

4 Likes

This ^

Its to cover themselves so people dont relay on it month to month and adjust their spending to be the new “get paid early” dates.

Couldnt make it part of plus as it was a key push for people to ho full monzo.

2 Likes

Version 3.27.1 - minor, minor changes;

ID’s;

<item type="id" name="chatAlertBody" />
<item type="id" name="chatAlertButtonContainer" />
<item type="id" name="chatAlertTitle" />

New/updated Assets;

ic_google ic_product_information

What I did notice - probably unrelated to the latest update - is a change in Labs; hiding & sorting pots now gone completely;