To paraphrase what I put in the comments at the end of the survey (which I’ve completed).
I think Monzo need to be careful here, if they are standing as the bank that will help people manage their money better, then don’t hide THOSE features behind a paywall. As has been pointed out, the survey was already skewed before anyone answered any questions.
Equally, as others have said, I think the first steps for a new Plus would be better aimed at little bonuses or things that are nice to get, or really good deals on travel insurance would be the benefits of Plus accounts which, yes, means Monzo would be stepping close to what the Big Banks do but there’s a reason for that.
And stop faffing with metal cards and what not. The majority of users don’t care (the majority of forum users don’t care!).
Bonus thought: Stop working on Plus for now. Get the budgetting, saving, core apps features working then come back to Plus. You don’t need to iterate on everything all at once.
And yes, I’ll be cancelling my Plus today.