I keep my smilemore account open at £15.50pm at smile just for the following:
4 airport lounge visits a year (dragonpass membership)
Breakdown cover
Mobile phone insurance
Travel insurance (happily do without this as have cover through my employer)
I transfer the money just to cover the fee each month, Monzo is my main account. If this could be replicated I would happily close it,
I agreed I do the same with my flex plus
Support confirmed for me that Plus is not available to 16-17 year old users (like myself 
)
Did they give a reason? I can’t think of anything in the pack that would be age restricted.
Oh hang on is it a direct debit?
At the moment Monzo plus is quite new, so as we roll it out to more people there may be things that we start to offer that we didn’t at first. We do this with a lot of our products to make sure that we get them right
There are some features of Monzo plus, such as travel insurance, which mean that at the moment we can’t offer it to under 18’s, but this may change!
Its a shame the travel insurance disqualifies the whole package, I’d much rather the individual add-ons be unavailable than the whole of Plus
That would make more sense then a blanket ban.
My thinking was it was a direct debit agreement issue, which you’d have to be 18 to set up.
Indeed, but I would much prefer just to pay for everything, everywhere with a single card or Google Pay…
At the end of the day, to have a “paid” tariff for a card it needs to compete with other major banks. I know Natwest has a very broad array of things it can offer to its customers.
I’ve already posted, but heres some more ideas.
What is with everyone’s obsession with airport lounge access?
What do you get in a lounge?
maybe cheaper or free cash deposits would be a nice addition?
I’m just going to answer the question on what I’d like to see:
More over - spend some time ensuring your JA holders get the same priority as solo account holders.
It’s going to be much harder adjusting pricing when you’ve got a full suite of plus products vs just a handful now.
Don’t Curve make additional revenue through interchange fees, so Monzo could do this if they decided to implement Curve-like features for non-Monzo cards. NB: if this happens, I imagine Monzo would only allow other credit cards or travel cards to be linked, not other debit cards.
If Monzo only decided to implement Curve-like features for its own cards, it would save money on card costs (although this would probably be a low cost compared to the development time).
Personally, I think Curve’s most useful feature in the ability to move a transactions below £1000 made on one account to a different account within 14 days. This feature would effectively remove the requirement of the all-cards-combined feature.
I think this would be a really useful feature for people with Monzo joint or business accounts and the feature would effectively remove the requirement of the all-cards-combined feature since you could spend on any card then move the transaction later.
I would expect at a similar rate to us 
Interchange is capped in the EU.
Imagine the reactions and accusations of discrimination if one of the incumbent banks had such restrictions on their account benefits!
Monzo should be leveraging its scale and unmatched growth rate to negotiate benefits for its customers that are as inclusive in their criteria as Monzo’s stated aims of diversity and inclusion.
The travel insurance only applies to 18-46 year olds, which is less than half the UK population. This feels ageist.
The events are only likely to appeal to those living in or near the big cities.
For Monzo to continue to be perceived as an open and inclusive bank, and for it to continue to extend its appeal beyond its core demographic base of millennials, its products surely have to be designed to be inclusive.
Otherwise, what next? Perhaps an account benefit that’s only available to men? Or a mobile phone insurance add-on that’s not available to men aged 18-30, based on their higher propensity to lose their phone? Or another benefit only available to straight people? (I’m sure this would never happen, but I’m trying to illustrate my point.)
I think I’d pay 3 GBP a month for a Metal card and a basic benefit such as travel insurance.
For the 6 GBP a month I’d ideally like to see mobile insurance and/or breakdown cover. However the size of Monzo currently is likely not going to work in their favour when negotiating great deals like Nationwide (for example) have. Plus - they may not even be making the money solely through the add-on charge, other banks have a wealth of charges and fees which could be in part paying for the benefits.
Free food and drink, and a guaranteed comfy seat, probably with a table
As someone who travels for a living… trust me… lounges make the trip so much better*
*Mostly for the gin and tonic, hot food and champagne…
^This - but only if it’s the official airline lounge… the generic lounge that people can buy their way in/gets bundled with bank accounts is quite the opposite experience…
This is true, to be fair. I’m the highest tier with BA/Oneworld so I’m slightly spoilt with the lounges but on the odd time I fly non-Oneworld, work provide me with a Priority Pass account.
It still beats sitting in the terminal paying for the food and drink (even if you have to pay £15 access or whatever it is).
