I’m curious why people who choose to leave Monzo due to frustrations with the offerings (which is fair enough due to personal experience and circumstances) choose to continue to post on Monzo’s public-facing portal?
I guess it is choice, which isn’t a bad thing. At least Monzo currently offers that choice.
Honesty there are people here who brigade other banks whenever anyone says a bad word about Monzo anywhere on here like they are on a mad referral scheme.
“Monzo’s app has a bug, just thought I would report it” “oh you should just switch to X bank”…
If you mean Reddit, then no.
Maybe shall we stick on topic?
@SouthseaOne around to close this topic until tomorrow? 
I doubt that would be considered within the lingering remit of the Coral Crew, so I shall just add my agreement and reminder that the code of conduct indicates that topics should stay on topic and move on from points
It would be good to see some different benefits for Plus/Premium.
Personally, I’d like to see the option to have a streaming service paid under a packaged bank account like Spotify, Disney+ etc. - Ideally, not one that’s covered under my Sky subscription (the obvious one being Netflix, who are also included in BT TV).
There’s a few extra offerings on Curve Metal, such as extended warranty cover, for the same price as Premium (cheaper if paid for in full for the year) plus Curve’s features, so it would be good to see better offerings from Monzo 
To be honest the offers needs another rejig. I would love if Plus etc came with extra cashback % when that rolls out.
Well if you wouldnt like double cash back then that’s your choice I guess.
I just know others didnt have the ability to save enough to offset part of the cost but cashback such as the 2% supermarket one would be useful for them.
Lots of saving pots are nice when you have decent savings instead of not earning a much pence from an interest bearing direct debit pot but if you are on Plus getting extra cashback would be a positive for a lot of people, look at the hard sell that goes on for banks that offer capped 1% or even curve (I have seen people here say they offset the cost of curve using their 1% cashback) as well which adds the cashback as a feature of the sub.
It may not be ideal for you if you have enough savings to top out the old cap but many many dont and getting an extra skim off cashback is a feature other banks have such as Direct Debits for certain bills with a cap.
The devil would be in the offers though to be fair and I wouldnt want it to replace everything, just value add.
EDIT: Some of the USA stuff would be nice as well, I wasnt saying it would, I wonder if its easier to move faster in the USA because they dont have a license yet. So much can be held back with dotting the regulations.
EDIT 2: No doubt if some of the USA stuff came to Plus/Prem people would instantly pleep it should be free like Y bank and how its not fair as is the way of the world.
You do you I guess, Monzo may not be a perfect bank for you but given the huge interest in their cashback scheme it would imply that Monzo’s T & C arent a big issue for me or the others using cashback, I do know how capable companies could try and de-anonymise (but they would need an opt in from somewhere to get specific details) but I also know they can possibly get this anyway without monzo cashback if there was value, there isnt an easy way to opt out from all the data brokering.
Like I said before though the devil would be in the detail, its just an idea
If I recall Barclays went to go and sell a lot more it at one point and I have not dug into other banks that may/may not, and Google wholesale hoovers this data, this is before we get to loyalty schemes (or tesco price…) I guess they are of no interest either to you.
Well this thread got interesting
TL;DR I love the discourse around all banks and hope we can continue for a good while yet, my thoughts specifically around plus/premium below.
Just to sort of answer @davidwalton‘s question, I stick around because i quite like the discourse and the people here. That I can talk about other banks is great and I’d hope that can continue. I’m hoping no one actually leaves as a result of the thread.
Back to Monzo. I’m also here because I at one point loved Monzo. Heck i was even #fullmonzo and that’s what bought me here to you kind folks.
What also keeps me around is the hope that one day something comes around that gives me that magic spark and entices me back in, but this hasn’t happened yet.
Onto plus and premium. I was really excited, and then not at all, around the update. I appreciate that there’s only so much you can do to be different to others, and showing your cards too soon might give others the edge.
But here’s my plea - step away from the product Monzo. Focus on the vision, the success metrics and share them here. What do you think the product vision is? The objectives and key results you’re aiming for.
Be transparent around high level objectives with a simple roadmap. I know these things are hard to maintain but transparency builds trust. It also stops people coming on here asking for repeated updates because you’ve not kept them informed.
I’m hoping for a truly groundbreaking premium product that brings me back, but I need taking on the journey because it hasn’t happened yet.
Really looking forward to the future. Peace out x
Hello!
I’m just catching up with a bunch of flags from the weekend and moving a few off topic posts around 
As always, please stick to the Code of Conduct 
Been a lot of informative input in here so far about what people would like to see 
A few things from me I’d like to see to improve the Premium tier offering specifically.
firstly the recent change in how interest is applied is a bit of a pain, can we go back to earning interest on the whole account balance instead of just savings pots?
I find I’m now keeping minimal money in my day to day account, keeping it in a savings pot instead and moving money over as I need it (which is a pain), or using Flex more and paying it off at the end of the month by moving money from a savings pot.
i also use a bills pot for budgeting, I pay into it to cover the bills for the month ahead on pay day, sometimes depending on how things fall this money can sit there for almost a month- I’d love to earn interest on that to make it work for me while it’s sat there.
in terms of the insurance offerings in premium, I’d like to see a more varied offering, perhaps purchase protection and maybe breakdown cover added. Along with mobile phone and travel insurance maybe we can pick 2 out of say 4 or 5 offerings that suit us as individuals best. I know I won’t use the phone insurance for example because I have AppleCare.
also looking at similar account offerings from say Revolut and Curve, they also offer things like subscriptions to certain apps or publications for around the same price as premium- could be something to look at (FT subscription could be good given the new investments feature)
lastly I think a refresh of the “Offers” section is long over due, there’s only 6 offers in there now (I’m sure there used to be many more a few years ago?)
Let’s have some more choice.
Thanks for the opportunity to provide feedback.
This is now working for me without the error I saw on Friday.
The custom categories are not showing for me again now.
Someone let it go live early 
am sure we’ll get an official response in the JA topic once it goes live for real
Just on that… is there a reason I can’t flag posts? I don’t want to but I don’t see how I can if I should want to.
Oh no! I thought I was. Clearly I’m not trusted.
Who knows! Maybe not enough likes or something 
Edit: and now I’m a 3… jeez.
Its activity based usually, aka visit so often over 6 months.