My piece of feedback.
First, I didn’t even know that Monzo Plus is out of Beta and my fiancée didn’t even know it exists. So, do marketing better.
Second, why so much focus on travel? You’re a bank, I expect you to do banking really well. Do different and focus on what you do well - banking. If I want travel insurance, phone insurance or similar perks, I will buy them from the provider directly. Ask yourself: why travel related perks? You’re not offering offering washing machines or gym membership or PlayStations or clothes etc, so why travel? Because you’re a bank, not a travel agent.
I’d love to see a Monzo’s own cash ISA or a credit card or an increased limit for cash abroad.
As others have said:
-Leave the money management and support free and equal for all customers
-Only charge for nice-to-haves, such as personalised cards or swag
-Unbundle things. Bundles aren’t appealing in terms of value.
-Don’t make it a subscription. I dread the recent trend of everything being a subscription. They’re just bills in disguise. Instead, sell one-offs.