Can you be more specific? Who do you bank with currently then?
I always found Monzo pretty straightforward and thought they brought in extra functionality in a good way. For example if you compare to Revolut (also with lots of functionality) I think Monzo has achieved it better.
They’ve got a wide customer based, I think 8-10 million but far lower revenue per customer than monzo and other peers. Still loss making and withdrawing from several markets following failed expansions. They’ve had restrictions put on them by BaFin which has damaged their reputation, financials and stopped them from onboarding more customers. These have now been lifted. I’m no expert but I don’t see them having sufficient momentum to succeed long term. I no longer feel like they’re spoken about in the same category as Monzo and Revolut etc.
I also hated their offering for UK when they launched here, but that’s personal opinion. You clearly preferred it from your reply. Personal choice is important of course.
This is a good point and I also thought this as I wrote it. I can’t find the article but there was an interview where TS Anil said that they’re open to acquiring businesses and I’ve always thought what kind of business they might acquire. They’ve got a large war chest and I’m sure if they wanted to, they could make some big acquisitions.
They raised hundreds of millions as they announced they’re profitable 
what’s it for? Some surely for geographic expansion of course
I find everything in Revolut quicker than I would Monzo.
Almost all banks have less cluttered apps. Monzo sadly went down a path of clutter and upselling and change that I don’t think they can recover from.
I really don’t see the issue. The app is colourful, informative and everything is where I expect it to be 
Same. I don’t mind the app now because I use most of what’s on there. But I really miss opening it and just seeing a nice, neat list of transactions as the main screen
I just miss the simplicity of it. I really remember being so so excited by the app and showing it off. It really was a brilliant time:
Except it was extremely limited feature wise. Great for what it was, but I am glad they made Monzo a full featured bank and added many of the things requested by this very community.
That can be done without the mess the app is today. Perfectly easily.
The fact that some perfectly functioning major banks have simpler and cleaner looking apps and actually have vastly more products than Monzo do show this is possible.
Whether or not the app is ‘a mess’ is subjective – I really like the design and find it quick and easy to use (much more so than before the redesign in fact). But that’s my experience, I know it’s not everyone’s. My point in the post above is that harking back to the design of the app in 2016 is pointless because it didn’t need to do very much.
One thing I don’t understand though is the implication in one of the above posts that the app no longer opens to a list of transactions. Mine still does.
Wait what? Like you open your app and it’s just a nice clean record of transactions and not a mess of pots/accounts/features? On iOS? How do I turn this back on 
Of course your opinions vary, and clearly Monzo agree with you, but again I reiterate everything in Monzo right now could be done on an app that has a clean and simple look, particularly the initial transaction screen. It’s not “harking back” it’s saying “look at what made you great, and use that to actually become better”.
I just can’t get het up with the Monzo app being cluttered or hard to use. I tap the icon on my homescreen, and I can immediately see the balances and the last few (and pending) transactions of the accounts I care about. With the RBS app my transactions two taps away; with BoS there’s an upsell message after every third account and there are always ‘important messages’ to clear off (which require me to download a PDF and then separately open)
No it’s not perfect, and is more complicated than it used to be, but i find myself using it far more than other banks’ apps and happy to use it as my main account.
Everyone who doesn’t like it as much seems to prefer the simplicity of the older version. But as has already been mentioned, it was only simple because it was just a current account with no other features (maybe pots).
Now they have Flex, subscription products, pensions, investments, joint accounts etc. obviously the app HAD to become more cluttered to accommodate this.
Each to their own, and I’m obviously not an expert, but given the months and months of developing (and iterating with the community), I just don’t buy the argument that Monzo could have done this simpler - they agonised over a lot of these decisions, and a lot of the decisions were made such that Monzo had the platform to build on going forwards.
From a business and customer growth perspective, it certainly doesn’t look like they’ve made the mistake that some on here claim it’s been.
It did not.
Here’s your account, here’s a tab for everything else we offer.
It’s not as simple as it once was. Some people prefer the old, some people will complain about absolutely everything Monzo do.
It certainly could be clearer in multiple aspects but I don’t think it’s as bad as some like to make out.
I think this is a mass oversimplification and any UX/UI designer would agree.
Agreed!
The UX/UI get paid to do what they are told, they don’t necessarily agree.
