# Monzo Plus - Bi-Weekly Update 28th November 2019

**URL:** <https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250>\
**Category:** Monzo Plus\
**Created:** [28 November 2019 14:36 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250 "2019-11-28T14:36:29Z")\
**Posts on this page:** 20\
**Page:** 1

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**Author:** ![tomdavies](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/tomdavies/32/37788_2.png) [@tomdavies](https://community.monzo.com/u/tomdavies)\
**Post date:** [28 November 2019 14:36 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/1 "2019-11-28T14:36:29Z")

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👋 Hello everyone. Here’s your update!

**Investor labels**

We saw a lot of comments around making sure we include Investor labels on the new debit cards. So we’ll be doing just that.

**Paywalling**

Thanks for all your comments on our paywalling principles. We definitely understand the concern around how we define a ‘power user’. We’re still working on these definitions but we wanted to share some of our early thinking while we develop this.

We believe that regardless of the feature-set, we can take the core values of what people love about Monzo and ensure they’re threaded through all of our products, whether that’s personal, business, paid, or free. How customers experience those values at different levels may change, but the values won’t. For example, we know customers feel a sense of peace of mind using Monzo. For a free current account customer that looks like great customer support and visibility into your spend. For a paid customer that might mean things like travel insurance.

We’ll make sure to keep the dialogue going between us as we work on this.

**Card packaging**

It’s no secret that we’ll be launching some new debit cards as part of our new paid accounts. And now, we’ve finalised the packaging that they will arrive in. We had a few key considerations when designing them:

We wanted them to be minimal with the environment in mind. There are some really cool ways you can deliver and package a debit card, but we didn’t think it was entirely fair on the environment to build up this great experience just for a brief moment.

> [@Monzo Plus - Bi-Weekly Update 14th November 2019](https://community.monzo.com/t/monzo-plus-bi-weekly-update-14th-november-2019/85361/53):
>
> On Packaging, one of my biggest bug bears of bank accounts is having this overly complex, and therefore really expensive, packaging. Slidey envelopes, thick boxes, etc. Personally, I’d prefer the premium to be in the account and not the one-time-use packaging it comes in.

We wanted to optimise for card activation, meaning we wanted customers to activate their card and get on with their day, not be too distracted by the packaging or other information in there.

We wanted to the packaged feel like the products they’ll be signing up for. So we’ve gone with two different packages that have very subtle differences to mirror their paid accounts in the app.

**Help us name our accounts!**

We’ve spent some time this week trying to come up with some conventions for how we name our accounts. We do what is called a ‘name storm’ where we try to get as creative as possible before whittling it down to a small list. We’d love your thoughts on what you think they might be, or suggest some of your own creative ideas.

Here are the rules:

- We need to name our three accounts: the current free Monzo account and the two new paid ones. Don’t just throw out a word, we want three from you in a convention that you think works.
- The names can’t be things like “One, Two, Three”: in the future we may add in other paid accounts.
- They need to follow this naming convention: Monzo [word] Current Account

Fire away with your best options!

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<div class="post-metadata">

**Author:** ![lpoolrob](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/lpoolrob/32/36348_2.png) [@lpoolrob](https://community.monzo.com/u/lpoolrob)\
**Post date:** [28 November 2019 14:40 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/2 "2019-11-28T14:40:35Z")

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> [@tomdavies](#):
>
> **Paywalling**
> 
> Thanks for all your comments on our paywalling principles. We definitely understand the concern around how we define a ‘power user’. We’re still working on these definitions but we wanted to share some of our early thinking while we develop this.
> 
> _**(snip)**_
> 
> For a free current account customer that looks like great customer support and visibility into your spend. For a paid customer that might mean things like travel insurance.

That isn’t paywalling a feature, that is purchasing a product. You deliberately avoided the issue. A career in politics beckons!

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<div class="post-metadata">

**Author:** ![anon67583189](https://avatars.discourse-cdn.com/v4/letter/a/f1d935/32.png) [@anon67583189](https://community.monzo.com/u/anon67583189)\
**Post date:** [28 November 2019 14:41 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/3 "2019-11-28T14:41:42Z")

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what do the cards look like

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<div class="post-metadata">

**Author:** ![Ordog](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/ordog/32/22446_2.png) [@Ordog](https://community.monzo.com/u/Ordog)\
**Post date:** [28 November 2019 14:42 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/4 "2019-11-28T14:42:37Z")

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> [@tomdavies](#):
>
> There are some really cool ways you can deliver and package a debit card

I can’t wait for my Monzo card to arrive attached to the collar of a puppy 🐕

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<div class="post-metadata">

**Author:** ![lpoolrob](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/lpoolrob/32/36348_2.png) [@lpoolrob](https://community.monzo.com/u/lpoolrob)\
**Post date:** [28 November 2019 14:42 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/5 "2019-11-28T14:42:39Z")

</div>

> [@tomdavies](#):
>
> **Help us name our accounts!**
> 
> We’ve spent some time this week trying to come up with some conventions for how we name our accounts. We do what is called a ‘name storm’ where we try to get as creative as possible before whittling it down to a small list. We’d love your thoughts on what you think they might be, or suggest some of your own creative ideas.
> 
> Here are the rules:
> 
> - We need to name our three accounts: the current free Monzo account and the two new paid ones. Don’t just throw out a word, we want three from you in a convention that you think works.
> - The names can’t be things like “One, Two, Three”: in the future we may add in other paid accounts.
> - They need to follow this naming convention: Monzo [word] Current Account
> 
> Fire away with your best options!

Card colours would be an obvious choice. Monzo Black CA, Monzo Platinum CA etc.

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<div class="post-metadata">

**Author:** ![BritishLibrary](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/britishlibrary/32/97251_2.png) [@BritishLibrary](https://community.monzo.com/u/BritishLibrary)\
**Post date:** [28 November 2019 14:43 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/6 "2019-11-28T14:43:10Z")

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> [@tomdavies](#):
>
> \*_Help us name our accounts!_

Introducing… the Monzo **Plusy McPlus Face** Current Account.

Smash that heart button to vote please.

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<div class="post-metadata">

**Author:** ![michaeltinsley](https://avatars.discourse-cdn.com/v4/letter/m/a87d85/32.png) [@michaeltinsley](https://community.monzo.com/u/michaeltinsley)\
**Post date:** [28 November 2019 14:43 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/7 "2019-11-28T14:43:32Z")

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Monzo Premo and Monzo Less-Premo

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<div class="post-metadata">

**Author:** ![mshepp](https://avatars.discourse-cdn.com/v4/letter/m/df705f/32.png) [@mshepp](https://community.monzo.com/u/mshepp)\
**Post date:** [28 November 2019 14:45 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/8 "2019-11-28T14:45:15Z")

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Have to be honest, I was expecting more from this update.

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<div class="post-metadata">

**Author:** ![gt94sss2](https://avatars.discourse-cdn.com/v4/letter/g/ee7513/32.png) [@gt94sss2](https://community.monzo.com/u/gt94sss2)\
**Post date:** [28 November 2019 14:45 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/9 "2019-11-28T14:45:17Z")

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> [@tomdavies](#):
>
> we know customers feel a sense of peace of mind using Monzo. For a free current account customer that looks like great customer support

Really? There are enough posts here complaining about the lack of actual customer support…

> We’ve spent some time this week trying to come up with some conventions for how we name our accounts.

Before asking us for naming ideas, it might be an idea to share what these accounts will offer.

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<div class="post-metadata">

**Author:** ![BritishLibrary](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/britishlibrary/32/97251_2.png) [@BritishLibrary](https://community.monzo.com/u/BritishLibrary)\
**Post date:** [28 November 2019 14:45 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/10 "2019-11-28T14:45:35Z")

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Thank you for the update as always 🙂

> [@tomdavies](#):
>
> **Paywalling**
> 
> Thanks for all your comments on our paywalling principles. We definitely understand the concern around how we define a ‘power user’. We’re still working on these definitions but we wanted to share some of our early thinking while we develop this.
> 
> …
> 
> For a free current account customer that looks like great customer support and visibility into your spend. For a paid customer that might mean things like travel insurance.

Personally I don’t think the concern is around the insurance type element, but the non-tangible software features that go into either.

It would be great to get genuine dialogue on this area as it develops - as it feels like there’s quite a gap between what Monzo have/are developing, and what we understand this to mean.

I fear that this could be the major area that lends to Monzo Plus v3 success - how this premiumisation of features works, in practice.

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<div class="post-metadata">

**Author:** ![krr13](https://avatars.discourse-cdn.com/v4/letter/k/d26b3c/32.png) [@krr13](https://community.monzo.com/u/krr13)\
**Post date:** [28 November 2019 14:48 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/11 "2019-11-28T14:48:41Z")

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> [@gt94sss2](#):
>
> Before asking us for naming ideas, it might be an idea to share what these accounts will offer.

Exactly this. We need to know what each account offers before you can come up with a name. For example if one was heavily focused on travel (insurance, higher fee free withdrawals etc) then you would want to use a word related to travel.

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<div class="post-metadata">

**Author:** ![Addzy](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/addzy/32/47047_2.png) [@Addzy](https://community.monzo.com/u/Addzy)\
**Post date:** [28 November 2019 14:49 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/12 "2019-11-28T14:49:38Z")

</div>

Thanks for the update!

> [@tomdavies](#):
>
> **Help us name our accounts!**
> 
> We’ve spent some time this week trying to come up with some conventions for how we name our accounts. We do what is called a ‘name storm’ where we try to get as creative as possible before whittling it down to a small list. We’d love your thoughts on what you think they might be, or suggest some of your own creative ideas.
> 
> Here are the rules:
> 
> - We need to name our three accounts: the current free Monzo account and the two new paid ones. Don’t just throw out a word, we want three from you in a convention that you think works.
> - The names can’t be things like “One, Two, Three”: in the future we may add in other paid accounts.
> - They need to follow this naming convention: Monzo [word] Current Account
> 
> Fire away with your best options!

I’m not sure you’re going to get a set of names that feel cohesive with the accounts until we know/have a bit more of a picture of what each one entails.

I like the idea behind the name storm, but it feels too early with too little public information for us to comment

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<div class="post-metadata">

**Author:** ![StuartL](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/stuartl/32/95229_2.png) [@StuartL](https://community.monzo.com/u/StuartL)\
**Post date:** [28 November 2019 14:54 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/13 "2019-11-28T14:54:46Z")

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> [@tomdavies](#):
>
> For a free current account customer that looks like great customer support and visibility into your spend. For a paid customer that might mean things like travel insurance.

**This isn’t paywalling**

I don’t think anyone here is concerned that you might be charging for supplying an additional product with Plus, the concerns are around what features monzo themselves will developing in app.

This has been going on for a few weeks/plus updates now and while I’m grateful for the (albeit limited) interaction from the Plus team you are either oblivious to the concerns raised here or you are deliberately ignoring them. Neither fill me with any confidence.

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<div class="post-metadata">

**Author:** ![Addzy](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/addzy/32/47047_2.png) [@Addzy](https://community.monzo.com/u/Addzy)\
**Post date:** [28 November 2019 15:00 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/14 "2019-11-28T15:00:57Z")

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I’m starting to tilt in the direction that they actually just don’t know yet in regards to what features might sit in a paid only account. They’re probably still brainstorming and deciding themselves at this point, It seems like we are still a way off from a release.

Optimistically, I’d like to think that if they had a good idea of what might be featured at this point then they would share with us.

I think they probably do realise it’s a very fine line they are going to be treading, so best to be confident in your decisions before letting the wolf pack pounce on you

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<div class="post-metadata">

**Author:** ![tbutz](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/tbutz/32/95851_2.png) [@tbutz](https://community.monzo.com/u/tbutz)\
**Post date:** [28 November 2019 15:03 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/15 "2019-11-28T15:03:13Z")

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> [@tomdavies](#):
>
> We need to name our three accounts

Monzo Egg Mayo Current Account (basic)  
Monzo BLT Current Account (a bit better)  
Monzo Halloumi on Wheatgerm Current Account (top notch)

also:

Monzo Vanilla Current Account (basic)  
Monzo Strawberry Swirl Current Account (a bit better)  
Monzo Mint Choc Chip with Sprinkles Current Account (top notch)

Anyone else still hungry from lunch?

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<div class="post-metadata">

**Author:** ![RyanNixon](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/ryannixon/32/88603_2.png) [@RyanNixon](https://community.monzo.com/u/RyanNixon)\
**Post date:** [28 November 2019 15:10 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/16 "2019-11-28T15:10:01Z")

</div>

I would like some more information on these different tiered accounts - can’t really throw out names if we have no info on them?

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<div class="post-metadata">

**Author:** ![Randomizer1234](https://avatars.discourse-cdn.com/v4/letter/r/94ad74/32.png) [@Randomizer1234](https://community.monzo.com/u/Randomizer1234)\
**Post date:** [28 November 2019 15:10 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/17 "2019-11-28T15:10:27Z")

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Monzo More  
Monzo Most

If going standard package accounts could add + Metal to both as well

Monzo Mix for Pick in Mix if that comes off.

Interesting for the next update and hopefully getting some more information soon.

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<div class="post-metadata">

**Author:** ![gmclean](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/gmclean/32/47932_2.png) [@gmclean](https://community.monzo.com/u/gmclean)\
**Post date:** [28 November 2019 15:10 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/18 "2019-11-28T15:10:50Z")

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Read that as Monzo Moist! 😆

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<div class="post-metadata">

**Author:** ![Addzy](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/addzy/32/47047_2.png) [@Addzy](https://community.monzo.com/u/Addzy)\
**Post date:** [28 November 2019 15:11 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/19 "2019-11-28T15:11:10Z")

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Me too!

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<div class="post-metadata">

**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\
**Post date:** [28 November 2019 15:11 UTC](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250/20 "2019-11-28T15:11:16Z")

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> [@tomdavies](#):
>
> suggest some of your own creative ideas.

Monzo Full Fat Current Account  
Monzo Semi Skimmed Current Account  
Monzo Skimmed Current Account

although Soy, Oat and Almond might be more inclusive

[Next page](https://community.monzo.com/t/monzo-plus-bi-weekly-update-28th-november-2019/86250.md?page=2)