+1 for this if the price is right
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āBotchedā is a bit much. Itās very clearly a trial. Perhaps such forceful criticism could be made of a full rollout, but not now. These partnerships perhaps were easier to get arranged in a short timeframe than others. Gadget insurance is a very obvious one and something Iād personally be very interested in, but Iām sure Monzo knows this. Give them time at least.
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I think itās only 6 months? So would only be Ā£18 - but I can see the advantage of it just being a one off payment.
Maybe. Iād say itās like calling a half-built house botched. Is it really representative of the finished home when itās a pile of bricks and wood? Probably not. Iād agree with you if whatās broadly on offer now is representative of the finished Monzo Plus, but somehow I doubt that. Itās just some ideas that are easy to knock out now to see if itās worth expanding on, from what I can see.
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You can definitely botch a half built house.
Builders get kicked off jobs everyday up and down the country for a poor first lift.
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N26 are Ā£14.90 for metal subscription Iām giving up on them cause they are saying I never cancelled when I did and they are trying screw me out of 10 months off Ā£14.90 not going to happen I aināt paying one penny to them and I believe my life lies with monzo cause I can do more with monzo than I can with N26 and Iād rather pay for extras I want and willing to pay for and not just expect the bog standard most banks give you and monzo want just say tuff you gotta pay and monzo will work with you to fix any problem treat you as a person and not getting the money first and saying if you donāt pay it will effect your credit rating thatās how N26 are treating you cause they said you donāt pay Ā£14.90 you will make your credit rating go down cause they will charge it and put you in to unauthorised overdraft intentionally and make you default and report it cause they donāt want you to cancel or close account just pay it now they say monzo have best customer service they will find a way to say yes to all your requests and arenāt driven by you must pay it now attitude that most banks operate
Itās dangerous to go alone. Take this.
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It wouldnāt be a proper trial if they werenāt locked in, because some people might sign up who otherwise wouldnāt it they knew they could just get out early. In any case, based on all past experience of how Monzo deals with customers, I think itās likely that those who have signed up for a Monzo Plus package will see value/features added to it over time, rather than missing out on enhancements.
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So, having been made an offer, and having agreed to the terms of the offer, they they shouldnāt be held to them? That doesnāt sound right.
If the offer as-is is not good enough, then they can decline to agree to the terms of the offer.
If they think the offer is good enough to agree to, that they agree to the terms of the offer, I canāt see the problem in the payment period running to the terms. They agreed to pay for something, theyāre paying for it.
(Full disclosure: I have not been offered either of the trial subscriptions, and if I had I wouldnāt have signed up to any of them due to the insurance bundle being overpriced (and I donāt travel at the moment), and the card colour bumdle not having colours I like enough to want instead of Hot Coral.)
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Spot on.
If added value accounts are here to stay there must be a series of packages or bolt-ons that can be realised from this vast volume of data to hand. Tv entertainment packages, magazine subscriptions, coffees, takeaways etc - something that people can find a bit more relevant to them in their everyday.
I always understood the financial offerings were going to be part of a marketplace, or integrations where they can be picked individually when somebody needed them. This would certainly make a better offering than one with multiple products where people often find that thereās something in the list they wouldnāt make use of.
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OH COME ON.
Lloyds = billions and billions taken in PPI
Barclays = manipulated the market Libor rate
HSBC = laundered money for Mexican drug cartels
RBS = pushed business borrowers into bankruptcy and asset stripped the failed businesses
Want me to go on? I know youāre just going to call me a Monzo Kool Aid drinker, butā¦
We get it. You donāt particularly like Monzo any more. But can you stop just shouting āMonzo are shit everyone else is brilliantā and apply some critical thought and actual facts please?
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Interesting to see how plus develops.
But the current offerings donāt really appeal to me.
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This is a weird thread. Monzo are trailing something that nobody really seems to like with a tiny number of people resulting in Monzo being compared to the most unscrupulous parts of other more established banks. I think this needs to be gotten back into perspective 
Iām throwing my hat into the ānone of the offerings seem value for money to meā but then Iāve never really been tempted by any other bankās premium accounts. I look forward to seeing where this goes though 
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I think we all know that the big banks also have friendly marketing slogans that imply they want to help you.
Lloyds: You first
The Royal Bank of Scotland: Where people matter
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I really donāt want to get drawn into the circular argument thatās been going on in this thread but almost everybody agrees the costs are too high and Monzo have acknowledged almost everybody has said the costs are too high but then this is just a trail to a small number of users and none of them are forced to sign-up. Monzo will use the feedback to either iterate or abandon, thereās no point getting upset about things at this point 
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Hi all 
This thread has become a bit heated 
Iām going to go through and remove some off topic posts but please can we remember to keep things on topic, make sure we respond to content not tone and think twice about whether a post really adds to the discussion
Iāll unlock the thread at the end of my shift.
Cheers 
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Travel insurance could be interesting for me, i would need specialist extreme sports insurance though so this will probably never be useful to me.
I would really like an insurance marketplace where I can pick the exact insurance product I need. There are lots of different insurance products depending on your requirements so Iām not sure a one size option is that useful, at least for me and my friends
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