@anon12333826 Hey Oliver, great to hear your thoughts on this 
The idea of offering different tiers of accounts isn’t something we’d consider in the short term, it seems at odds with our aim to provide a great product and service for all.
In terms of loyalty programmes, we definitely want to do something like this, focused on retailer funded loyalty and rewards schemes. Looking to the post current account Monzo world, we’d like to support a marketplace platform funded by retailers in exchange for data/access to customers (with customer opt-in of course!).