Iām incredibly thankful that Monzo have decided to add to Monzo Plus. The original offering was not worth it to me, even for a low price of Ā£3 a month. Options like cashback/rewards, digital cards, interest on my balance, and phone/contents insurance are a much better package and competitive with the likes of Revolut!
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Agreed. The update was most welcome and makes me feel positive about the concept (with a few tweeks required).
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Iāve decided I want it. Put myself on the waiting list. 
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I still disagree with what the Ā£3 package offers right now. The different card is the most interesting thing on there.
Then donāt sign up? 
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I wonāt. That doesnt mean whats on offer isnt sub par. 
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Yeah, if it aināt for you, itāll be for someone else I guess.
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Same for me.
The plans are definitely interesting - I get these with my other current account and is the only reason I keep it open.
Once all these other offerings come to fruition with Monzo Iāll more than likely sign up for Plus
Overall, this is looking really good! And much better than it sounded before this roadmap was shared, so thanks very much for begin more open with your plans. However, one thing I find disappointing is the virtual cards:
For everything else, I can understand why they are part of Monzo Plus instead of the core product. However, virtual cards appear to have zero marginal cost to Monzo once the feature is built. So for this feature, it seems that Monzo is holding something back which it could provide to the core product, as a way of encouraging people to pay for a premium account, something Tom previously said was against the ethos of Monzo. (In fact, this kind of tension was initially cited as a reason Monzo wouldnāt do premium accounts.) 
I may have got this wrong, but virtual cards seem like a feature the Monzo team have been considering for some time, so itās disappointing to see it pushed into a āpremiumā offering now.
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Aye.
The cashback from my Natwest Rewards account pays for itself for the year with one months cashback from Direct Debits.
Until Monzo can offer the same I wont go full Monzo.
Not going to repeat the reasons as others have already said, but this is to show my support:
- Virtual Cards should be part of default offering
- Joint Accounts should be considered the same as normal accounts
I would also add that this appears to be targeting Monzoās current user base (eg single people aged 20s/30s) and therefore is unlikely to pull in large amounts of new users. Or maybe it just doesnāt consider families 
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How things change when cash is needed!
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I agree with the comments regarding virtual cards ā Monzo should not be positioning additional security as a premium offering.
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While I agree because who doesnāt love free things! Every business does this.
My car has a whole range of additional security features that each cost a premium. I can apply this analogy to the majority of businesses right down to paying more for āsigned for / trackedā postage.
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I donāt think thatās a legitimate comparison. If your the security on your car gets compromised, and your car gets broken into or stolen, thatās your problem.
Conversely, if the security on your account gets compromised and your money is stolen, Monzo are on the line for the losses - so extending this security would be good for them too.
Then how does every other bank who donāt have virtual cards manage 
The whole Monzo are ethical/transparent/make money work for everyone etc argument canāt always apply. Theyāre a business and have to draw a line somewhere.
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One key difference is that additional security for a car benefits you as the owner - with less risk of your car being stolen and with lower insurance premiums for instance.
In a banks case, they are often liable for covering losses, so the security measures they introduce are usually designed to limit their losses, not to benefit the customer (as the primary aim)
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See my post above yours.
Youāre taking my one example too literal, Iām sure you understand the point Iām trying to make.
Also, virtual cards would benefit the customer so Iām not sure what your point is there 
either way Iāve said my bit so letās leave it here
But Monzo had set out to do things differently. Beyond this specific feature, itās the general approach that concerns me. Virtual cards are another tool to help manage your finances. The ethos up until now, is for Monzo to provide everyone great tools to manage their finances. There werenāt two tiers or second-class citizens when it came to the core of managing your finances. Everyone got the best tools.
I see this as eroding that vision. 
Plus should be for add-ons that arenāt part of the core product. But the core product should be the best way to keep on top of your finances.
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Virtual cards eh. None of my other accounts offer this, does that mean they are not secure? 
I have no issue with this being a Plus item. For the majority of people Monzo is secure enough (as in, itās as secure as most other banks). Monzo need to get people to move to their service, and Iām very much in doubt that saying Virtual Cards are part of the account is a selling point for most people. Should it be free anyway? Well they need to build the mechanism, and maintain it, which costs, so as āmostā people arenāt likely to use them anyway, why would they offer it for free.
Just IMO of course. I think those of us in the forum are a little guilty of forgetting how much knowledge we have accumulated about this stuff.
Quick edit: Iāll happily suggest that Virtual Cards, by my thinking above, are the very definition of NOT core product. Whether you think they should be or not. I have great secure tools to manage my finances already from Monzo.
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