Not really, his reply was a reply to the ad which is why I read it as he was talking about the ad. The ad the company chose to run quoting a 3rd party referencing monzo. I am talking about the ad specifically in my replies which is why I was wondering if Monzo had too done an ad that was very similar.
I also think the ad the company paid to run could have been better rather than using click bait but I can understand why they did it. They may have ran other ads that were different, digital ad campaigns can have a large amount of creatives targetting different demographics.
I don’t see how this comment makes sense in the context of an ad. But in the context of the quote, it certainly does to me.
I digress. At this stage it’s clear we’ve both read the comment and surmised a different meaning, so we’ll have to agree to disagree as none of it is really relevant to what I initially said anyway, which holds regardless of how you interpret the comment I replied to. You’re arguing against a point I never made.
Edit: fixed typos and added clarity. What I get for trying to multitask!
As a student, I would still go for a student account at a high-street bank due to the freebies and overdrafts. I have the Santander 123 Student account which has a 4-year 16-25 railcard, a 0% overdraft of £1,500 in the first three years (higher in later years) plus the Santander cashback retailer offers. The app doesn’t have the best features, but there are more important things than apps imo.
You can get the best of both worlds - open a high street account for the freebies, and open a Monzo account to use for most of your spending, if you can do so while still meeting the terms of the high street account.
Just to point out this is risky, if you set up an overdraft account and don’t regularly use it, they may withdraw the overdraft which they are entitled to do.
To be clear I mean using the account where the overdraft is held, like taking all the money out and then leaving it.
It will usually be specified it should be your main account when a student overdraft is attached and used. If it isn’t seeing day to day usage, they’ve been known to withdraw the overdraft- meaning you’d owe them the overdrawn money.
This happened to me post uni when I switched my main account, leaving a £2k interest free overdraft there. Got a letter after a few months saying ‘your overdraft has been withdrawn, please pay us £2k’. Thankfully I had the money…
Yeah, I’m not the greatest fan of that. It really doesn’t seem very professional and you probably shouldn’t focus on a potential negative when advertising a product, even if the negative isn’t a big one.
