I must have missed the moment where Plus was not intended to be a money making addition to the core offering
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I get it was always going to make money, I just mean in terms of ÂŁ25, I donât know anymore for me am loosing faith now
Well, they were trialling the metal card at ÂŁ70-90 as a one off fee so if thatâs a true price youâd be getting a good âdiscountâ on the benefits over the 6 month minimum term.
I wouldnât do it, butâŚ
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Thatâs definitely one way of looking at it!
You can only pay with the Apple Card if you have your device nearby. So no use for the card to be contactless.
This comment has aged well 
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Seeing a lot of good suggestions where normal customers are stating how theyâd love the idea etc etc then youâll see investors saying no as they feel they are more important than the customers. âItâll not make me loads of money so itâs a no from meâ kind of replies. Give it another 12 months and these investors will think about the money and sell to a bank like Barclays even if itâs not in the interest of their customers. Monzo was set up to do things fair instead of making billions out of us. Already they are putting ideas aside as the cost would be greater than profit. The cheque imaging facility is a great example of that but not limited to.
Monzo is worth a lot of money, itâs time for the investors to cash out and allow Monzo to grow and improve without investors saying no due to costings.
Investors on the forum hold a tiny percentage of the overall shares. So tiny that their influence is completely none existent when it comes to having any additional influence over the rest of the customer base
Investors are customers and so comment based on what they want to see from the account that actually use
Cheque imaging was put down the priority list due to open banking and SCA legislation which meant they needed to be implemented in a specific time period
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Someone has an agenda of some sort I guess but I canât work out what it is. If all those posts are on the forum, I havenât seen them.
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Investors almost everytime will think about the idea being profitable for their return when/if Monzo goes public. Investors donât just give money away to loose money. Theyâve invested to get a return on their money. So to say they solely comment on customer basis is rubbish. Fair play they might not have much say on things. But Iâve seen many posts where investors have argued until there face has turned blue even though 90% of commenters agreed the idea was a good idea.
So you think someone who bought 1 share (as many did) are solely interested in the returns? Especially since itâs an illiquid asset that could be tied up for several years and is just as likely to reduce in value as people are questioning unicorn valuations in response to the WeWork debacle
You are assuming itâs because people with an investor flair are considering their returns and not just because they donât agree with that 90% because they just donât agree?
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Yeah, I think youâre squashing too many things together and trying to make a coherent point out of them. It may work on the surface but, doesnât really carry much weight.
Generally, customers who invest are looking for the customer experience first with the hope of some return later on. If the customer experience goes bad, theyâre out - read the Monzo Plus threads for evidence of that!
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I agree, that thereâs a lot of small investors who donât care and just want to be apart of the next big thing. But the bigger investors will obviously be looking at ideas as profitable or not. I just feel reading some replies on threads that some investors seem to think they are more important than customers. Itâs just a observation that Iâve made. Some banging ideas get suggested.
Sorry, no. Iâve been reading stuff on here since 2016 and it simply isnât so. People whoâve invested have opinions. The opinions arenât universally related to the investment decision.
Anyway, at this point weâre way off the topic of metal cards which is what is supposed to be discussed here.
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Just saw this in Twitter, I know Monzo wonât do this, but looks pretty amazing (ignore the price!)
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I loved Naga when she was told it doesnât do contactlessâŚ
âWhat?!? For ÂŁ18000 Iâd expect that!â
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ÂŁ18,000 and itâs only 18 carats? Outrageous.
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Can they do a raffle for one of those please.
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Having played with a metal Amex and revolut card is i would love to see a monzo take
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I think this is probably coming with the next iteration of Plus.
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