Monzo for Android - Teardowns & Deep Dives 👨‍💻

Definitely seems tied into the updates to the international payments.

I’m surprised that none of us picked up on it. Looking back I can see that from May (at least) is when the international strings we’re being added/updated.

Then there has been changes to these in pretty much every release thereafter.

1 Like

:rotating_light: 3.88.0 :rotating_light:

sneaky Wednesday release!

1 Like

Always keeping me on my toes whoever is responsible for pressing the release button :eyes: :laughing:

Working on it now…

3 Likes

Version 3.88.0 (61.66 MB) :tada::tada::tada: - We’re (almost exactly) halfway through the year. Thought you should know.
We’ve also got some exciting updates coming to your screens soon – but not just yet. Stay tuned!

New Strings:

<string name="business_signup_profile_creation_body">Tell us your business’s name and when it was started; you can use today’s date if you’ve not started trading yet.</string>
<string name="business_signup_profile_creation_date_in_future_error">Start date must not be in the future</string>

<string name="business_signup_ui_completed_message">Access the account by tapping your business profile image in the Monzo app.</string>
<string name="business_signup_ui_completed_primary_button">Go to account</string>
<string name="business_signup_ui_completed_title">Your business account is ready!</string>
<string name="business_signup_ui_rejected_appbar_action">Eligibility</string>
<string name="business_signup_ui_rejected_message">"We look at things like your business type and industry, as well as other criteria, when we decide if we can support your business.

Based on your business information, we can’t offer you an account at the moment."</string>
<string name="business_signup_ui_rejected_title">We can’t support your business right now</string>

<string name="csui_force_upgrade_action">Go to the Google Play Store</string>
<string name="csui_force_upgrade_description">We’ve recently updated the app and we need you to download the new update before letting you continue</string>
<string name="csui_force_upgrade_title">Please update your Monzo app</string>

<string name="stepped_amount_slider_state_description">%s selected</string>

Removed Strings:

<string name="business_signup_profile_creation_body">We need the business name (or your personal name) and the date you started trading.</string>
<string name="business_signup_profile_creation_date_in_future_error">Start date must be in the past</string>

New IDs

<item type="id" name="accountOfferingTitleTextView" />

<item type="id" name="paidUpgradeCompareButton" />
<item type="id" name="paidUpgradeToolbar" />

Removed ID’s:

<item type="id" name="accountSelectionTitleTextView" />

<item type="id" name="itemPageContainer" />
<item type="id" name="itemPageImageAndTextView" />
<item type="id" name="itemPageInfoIcon" />
<item type="id" name="itemPageLeftItemDetails" />

New Assets:

Business signup ui completed

Changed Assets:

None

Deleted Assets:

None
5 Likes

:cry:

Shall we start speculating on what it could be?

Since all this is business account related I’d guess that they’re going to support more business types and more industries perhaps?

Industries not covered... yet

In future, we might offer accounts to some of these industries. But we appreciate this is disappointing for some businesses at the moment.

  • currency exchanges including virtual currencies, and money services business
  • construction and civil engineering
  • mining and quarrying
  • defence and weapons
  • consumer credit or lending money
  • dating or escort services
  • precious metals and stones (like jewellery)
  • tattoo and nail parlours
  • food stands
  • technology equipment, like lasers or telecommunications
  • probate and estate management
  • gambling and betting
  • weapons manufacturing and/or selling
  • unlicensed scrap metal
  • unregistered waste management
  • shell companies
  • illegal or unlicensed drugs
  • used automotive vehicles
  • bidding fee auctions
  • regulated or unregulated financial investment, loan, foreign exchange (FX) or banking businesses
  • selling or making cannabidiol products (CBD), like cannabidiol oil
  • certain types of manufacturing
  • financial and insurance activities
  • public administration and defence, and compulsory social security. That includes things like defence, immigration services, foreign affairs and running government programmes.
  • activities of extraterritorial organisations and bodies. That’s companies like the UN, involved in getting peaceful relations among nations, providing human needs and humanitarian aid, or regulating international trade.
Business types not covered... yet
  • Partnerships, including Limited Liability Partnerships (LLPs)
  • Limited companies by guarantee
  • Charities
  • Community interest company (CIC)
  • Public Limited companies (PLC)
  • Clubs or other non-registered organisations
  • Trusts or funds
  • Other registered business types, like an unlimited company (Unltd), industrial and provident society (IPS) or Royal Charter (RC).

We might offer accounts to these business types in future but it’s not in our plans at the moment. That’s because we have to gather and store different information on these customers, and there are different rules around how these types of accounts need to be operated.

Maybe we will find out tomorrow since they pushed the app update a day early :thinking:

1 Like

Do business account actually make monzo more than personal accounts? it seems everything is business related, they seem to be more focused on that

1 Like

I would expect them to make more per account given the caps on transaction charges don’t exist for business so they will get a larger cut per purchase. Business accounts need a little bit of love so it’s all good, more businesses will make it easier for monzo to give more free things to consumers.

2 Likes

:rotating_light: 3.88.1 :rotating_light:

Another sneaky late-in-the-day release, but the .1 increase probably means a :bug: fix rather than features/new additions to the app.

2 Likes

As expected, a big, fat, whole load of nothing :pensive: Not long until Thursday though - hopefully it’s a juicy one!

5 Likes

New update!

Looks like the new international transfers have launched:

5 Likes

Nice :slight_smile:

Sneaky Tuesday update (3.88.1), followed by sneaky Wednesday update (3.89.0) - sneaky…

5 Likes

@Ordog ^^^^

1 Like

We need an AMA with the app release person @AlanDoe I have lots of questions :face_with_monocle: :wink:

On it now…

3 Likes

Wednesday is the new Thursday.

2 Likes

Version 3.89.0 (61.74 MB) :tada::tada::tada: - International transfers just got smoother! Introducing our improved international transfers service, powered by our friends at Wise.
Make international transfers to 70+ countries at typically lower costs than currency conversion companies and high street banks.
Head to the Payments tab and tap Pay to get started.

New Strings:

<string name="day_of_month_picker_state_description">%s day of month</string>
<string name="day_of_month_picker_state_description_selected">%s day of month selected</string>

<string name="email_entry_sign_in_subtitle">Enter the email address associated with your account</string>
<string name="email_entry_sign_in_title">Sign in to Monzo</string>
<string name="email_entry_sign_up_subtitle">Enter the email address that you’d like to use to sign in to Monzo</string>
<string name="magic_link">It has a magic link that’ll sign you in to Monzo.</string>

<string name="payees_hub_pay_international_title">Transfer internationally</string>

<string name="pot_detail_docs_title">Documents</string>
<string name="pot_detail_easy_access_interest_title">%1$s AER/%2$s Gross interest</string>
<string name="pot_detail_fixed_interest_title">%s AER/Gross interest</string>
<string name="pot_detail_interest_earned_this_month_subtitle">For %s so far</string>
<string name="pot_detail_interest_earned_this_month_title">Interest earned</string>
<string name="pot_detail_interest_footer">Paid by %s</string>
<string name="pot_detail_locked_fixed_term_footer">You can’t add to or withdraw from a Fixed Term Savings Pot until the term ends. We’ll move the money into your account at midnight on that date.</string>
<string name="pot_detail_locked_until_subtitle">Until %s</string>
<string name="pot_detail_locked_until_title">Locked</string>
<string name="pot_detail_tax_percentage_subtitle">%d%% of income</string>
<string name="pot_detail_tax_percentage_title">Set aside</string>
<string name="pot_detail_total_gained_fixed_title">Interest earned</string>
<string name="pot_detail_total_gained_title">Total earned</string>
<string name="pot_detail_zero_deposits_subtitle">No deposits yet</string>
<string name="pot_detail_zero_round_ups_subtitle">No roundups yet</string>
<string name="pot_detail_zero_withdrawals_subtitle">No withdrawals yet</string>

<string name="pot_error_deletion_locked_title">You can’t archive this Pot yet</string>

<string name="pot_info_how_savings_work">How Savings Pots work</string>
<string name="pot_info_interest_statements">Interest statements</string>
<string name="pot_info_isa_declaration">ISA declaration</string>
<string name="pot_info_savings_terms">Savings agreement</string>

<string name="profile_creation_address_text">Pick where you’d like us to send your card</string>

<string name="profile_creation_title">Basic details</string>

<string name="sign_up_basic_details_title">Basic details</string>
<string name="signup_account_selection_callout">Whatever account you pick your money’s protected by the FSCS up to £85,000.</string>
<string name="signup_account_selection_subtitle">To sign up for a business or joint account, you’ll also need to open a personal account.</string>
<string name="signup_account_selection_title">Which account would you like?</string>

<string name="vc_common_auto_delete_date_picker_title">Date</string>
<string name="vc_common_auto_delete_title">Auto-delete on date</string>
<string name="vc_confirm_delete_description">Deleting this virtual card could affect online payments or subscriptions. You may need to update billing details for those services.</string>
<string name="vc_create_button">Create</string>
<string name="vc_create_button_hint">We’ll generate your card number, expiry and CVC once you’ve created the virtual card.</string>
<string name="vc_create_card_name_hint">Name (e.g. Subscriptions)</string>
<string name="vc_create_money_source_footer">Choose a name and optional auto-delete date. We’ll automatically delete the card on the day you choose. You can edit these later.</string>
<string name="vc_create_money_source_footer_auto_delete">Choose a name and optional auto-delete date. We’ll automatically delete the card on the day you choose.</string>
<string name="vc_create_onboarding_button">Create virtual card</string>

<string name="vc_details_auto_delete_title">Auto-delete on</string>
<string name="vc_details_delete_card_label">Delete virtual card</string>

<string name="vc_inactive_card_subtitle">"Created %1$s
Deleted %2$s"</string>
<string name="vc_inactive_cards_title">Deleted virtual cards</string>
<string name="vc_list_inactive_cards_title">Deleted virtual cards</string>
<string name="vc_list_subtitle">Create a virtual debit card to keep your real card details hidden. Even set an auto-delete date so you can easily manage free trials.</string>
<string name="vc_list_subtitle_legacy">Create virtual debit cards to split your spending and stay in control</string>
<string name="vc_list_title">Virtual debit cards</string>
<string name="vc_source_footer">You can’t use virtual cards to pay from Savings Pots or locked Pots.</string>
<string name="vc_source_title">Pay from</string>

<string name="we_just_sent_an_email">We’ve sent an email to</string>

Removed Strings:

<string name="email_title">Monzo</string>
<string name="enter_an_email">"Enter the email address you’d like to use to sign in to Monzo"/string>
<string name="magic_link">It has a magic link that’ll sign you in to Monzo</string>

<string name="payees_hub_pay_international_title">International transfer</string>

<string name="phone_verification_title">Phone Verification</string>

<string name="pot_detail_docs_title">Docs</string>
<string name="pot_detail_easy_access_interest_title">%1$s AER/%2$s Gross</string>
<string name="pot_detail_fixed_interest_title">%s AER/Gross</string>
<string name="pot_detail_interest_earned_this_month_subtitle">Interest for %s so far</string>
<string name="pot_detail_interest_earned_this_month_title">Earned in %s</string>
<string name="pot_detail_interest_title">Interest</string>
<string name="pot_detail_lock_title">Pot lock</string>
<string name="pot_detail_locked_until_date">Pot locked until %s</string>
<string name="pot_detail_paid_from_pot">Paid from Pot</string>
<string name="pot_detail_scheduled_payments_title">Scheduled</string>
<string name="pot_detail_total_gained_fixed_title">Total interest</string>
<string name="pot_detail_total_gained_title">Total interest</string>
<string name="pot_detail_totals_title">Totals</string>
<string name="pot_detail_type_subtitle">Cash ISA</string>
<string name="pot_detail_type_title">Pot type</string>
<string name="pot_detail_zero_deposits_subtitle">0 deposits</string>
<string name="pot_detail_zero_round_ups_subtitle">0 roundups</string>
<string name="pot_detail_zero_withdrawals_subtitle">0 withdrawals</string>

<string name="pot_error_deletion_locked_title">You can’t delete this Pot yet</string>

<string name="pot_info_how_savings_work">How do Savings Pots work?</string>
<string name="pot_info_interest_statements">See interest statements</string>
<string name="pot_info_isa_declaration">Your ISA declaration</string>
<string name="pot_info_savings_terms">Your savings agreement</string>
<string name="pot_info_summary_box">View summary box</string>

<string name="profile_creation_address_text">This is where we’ll send your card</string>

<string name="profile_creation_title">Your Account Details</string>

<string name="signup_account_selection_title">Which account(s) would you like?</string>

<string name="vc_common_auto_delete_date_picker_title">Auto-delete date</string>
<string name="vc_common_auto_delete_subtitle">We’ll automatically delete the card on a date you choose.</string>
<string name="vc_common_auto_delete_title">Auto-delete</string>
<string name="vc_confirm_delete_description">Deleting this virtual card could affect online payments or subscriptions.</string>
<string name="vc_create_button">Create virtual card</string>
<string name="vc_create_card_details_label">Card options</string>
<string name="vc_create_card_name_hint">Card name (e.g. Subscriptions)</string>
<string name="vc_create_money_source_footer">Choose a name and optional auto-delete date. You can edit these later.</string>
<string name="vc_create_money_source_footer_auto_delete">Choose a name and optional auto-delete date</string>

<string name="vc_details_auto_delete_subtitle">We’ll delete the card on this date.</string>
<string name="vc_details_auto_delete_title">Auto-delete</string>
<string name="vc_details_card_details_footer">You can check these again at any time by tapping show details</string>
<string name="vc_details_card_options_label">Card options</string>
<string name="vc_details_delete_card_label">Delete card</string>
<string name="vc_details_manage_card_footer">Deleting this card will affect any active subscriptions being paid by this card</string>
<string name="vc_details_manage_card_label">Manage card</string>

<string name="vc_edit_button">Update virtual card</string>
<string name="vc_inactive_card_subtitle">Created %1$s ∙ Deleted %2$s</string>
<string name="vc_inactive_cards_title">Inactive virtual cards</string>
<string name="vc_list_active_cards_label">Active virtual cards</string>
<string name="vc_list_subtitle">Create a digital debit card to keep your real card details hidden. Even set an auto-delete date so you can easily manage free trials.</string>
<string name="vc_list_subtitle_legacy">Create digital debit cards to split your spending and stay in control</string>
<string name="vc_list_title">Create virtual card</string>

<string name="we_just_sent_an_email">We’ve sent an email to:</string>

New IDs

<item type="id" name="accountOfferingSubtitleTextView" />

<item type="id" name="headlineFeatureButton" />

<item type="id" name="potAmountItemDetailView" />

<item type="id" name="potItemValue" />

<item type="id" name="potValueItemDetailView" />

Removed ID’s:

<item type="id" name="potItemDetailView" />

<item type="id" name="vcMoneySourceLinkedCardImage" />

New Assets:

None

Changed Assets:

ic checkbox off
ic_checkbox_off

Deleted Assets:

Business signup ui completed

12 Likes

:rotating_light: 3.89.1 :rotating_light:

Looks like the issue (since v3.89.0) with not showing the ‘Left to pay’ instance in the ‘Manage’ tab of a Bills pot of a Joint account, when ‘Split Drawers’ is enabled in Labs has now been fixed. At least for me - thank you :monzo:

EDIT: ‘Left to pay’ has disappeared again. :ghost: in the machine.

2 Likes

:rotating_light: 3.90.0 :rotating_light:

5 Likes