I love it 
Although since they’re doing this for BACS payments now, I wonder if they could just do it anyway for everyone.
By whom? Most of my colleagues have switched to it as a travel card citing cheap(er) spending and foreign currency when they go on holiday. The rest of the time it is a spending card, separate from their main bank account.
(This is use by people outside of London)
But it isn’t. It’s looking poor in comparison. And I agree with your point about packaged accounts not suitable for everyone and better to go direct for the products you actually need. 
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By Monzo. What does Monzo premium / value add mean to you? - #62 by simonb This isn’t the clearest example but it’s something that’s been said several times on this forum.
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I thought about that yea - but that’ll be a lot more extra work on server side/Monzo side so since people are missing the interest on Monzo plus i though “why not make this a plus feature”
Edit: That way its “instant access” for plus members and less people utilising it (less work on the server plus its a “feature for Plus” since not every Monzo user is a Plus user
Although of course we can’t know, it doesnt seem like an intensive task! They did all the work to implement Pay Early just for a marketing gimick.
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Yea, but at least the thought is out there 
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I don’t have plus, and I don’t think I’d ever get a bundled account anywhere, so my opinion isn’t really worth much here, but I have been reading the comments here with interest. I do agree the communication during Plus has been poor up to now, but it’s nice to see plenty of communication now at least.
My main question is to the posters in this thread declaring this new model terrible and the worst thing since bread loafs with utter certainty. If (and it’s a big IF I know!) this turns out to be the correct decision, plus subscriptions increase and many more people sign up than with the old model, will you be prepared to admit you were wrong? Just seems like a lot of complete certainty from some people here which I think is pretty crazy. And before people jump on me, I know a lot of people are strictly talking about themselves and their opinion on what they want from Plus, Im just talking to the people who are basically declaring this the end of Monzo and stating as fact that this decision is incorrect.
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I actually don’t think its a bad decision, after all bundles work for all other banks, however Monzo was about being different, not following the crowd. Imagine what a game changer it would be, if people choose what they want in bundles and not be forced to get what the bank decides should have been in a bundle. That is what Monzo originally talked about, but changed because 5 people on the wait list wanted something different.
I know there is more to it than that, but 5 people wanting Plus were all that Monzo invited originally. Not 5 people with no package account, not 5 people who didn’t like the original plus, not 5 people that cancelled plus, but 5 that wanted it so was eagerly waiting for it, who then decided it was too complicated. Anyone waiting for something, given a choice, most of the time will opt for something quicker, that is human nature.
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This is precisely the point, and the problem you’ve described is exactly what Monzo Plus set out to tackle in its initial conception. They wanted to do away with packaged bundles by offering individual add ons at a competitive price. 
To quote the initial blog post from Monzo:
Many banks offer packaged accounts or premium bundles, but you often end up paying for things that you don’t need or want. You might find three out of the five things in that bundle useful to you, but you still have to pay for the two that you don’t. That’s why we’re creating Monzo Plus – to give you an extension of your regular account that you customise to meet your needs.
This is why everyone is so disappointed to learn that the whole vision of Monzo Plus has been abandoned in favour of opting for the easier route, one that has already been traveled, rather than carving out a new path as they originally intended to do. The result is poor value bundles, rather than the ability to buy services separately as and when we need them. 
There was a slight acceleration after the TV advertising campaign, but Monzo was already at approximately ~2million users by this point with little to no paid advertising at all. I still stand by the fact that Monzo’s success up until now been down to recommendations from its customers. I can’t see anyone recommending these new bundles to their friends or family.
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Monzo - please sort plus! On Monday, get all of your plus team to take 4-5 hours out and read through all of the community forums, take the great advice from your plustomers! It’s not like we don’t want you to be profitable - we just want customisation with attractive pricing! Economies of scale will lead to profitability!
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I’d slightly disagree with this. Most packaged accounts have products like breakdown cover, phone insurance and travel insurance. That’s assuming everyone has a car, travels and doesn’t have the phone covered on their house insurance. There’s a lot more chance people will be paying for things they will never use
With the bundles you are going to be signing up for a specific area that you need
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The bundles becoming popular wouldn’t on its own make them a good decision. If Monzo’s goal has switched from being a better bank doing social good to just launching financially successful features that by their own admission are unfair on their customers then what’s the point.
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Me too. And that £13 covers me and the Mrs so in reality it’s only £6.50 each.
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Not really sure how offering bundles instead of individual items really relates to doing social good…
From what I can see, the prices are now a bit cheaper and still separate out related items at least 
I’m sorry, but I don’t see how this argument supports the services being bundled together? I usually take out travel insurance when I go on holiday, but I never use the airport lounge.
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I think that’s unfair. Sounded to me like they used known user testing principles (albeit clearly debated in the user testing world according to others on this thread!) to test the flow and found that it was a bit complicated, so are trying a different path. Could they have instead worked to make the flow better? Possibly, but I wouldn’t say that’s much to do with which 5 people they chose or anything like that. I knew as soon as I read the user testing comment all people would focus on is ‘5 people’ and ignore all the rest of the quality content and the number of people surveyed and interviewed aside from that. (I do see you’ve acknowledged that there was other testing involved i’m just talking about the general view on the techniques used).
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You should try - if its a nice one, they’re great
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So the travel bundle isn’t going to be right for you
Hopefully bundles will kick start the marketplace and travel insurance will be something you can buy separately
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Monzo wanted to introduce a premium offering without the unfair bundeling they saw in similar products; they made this clear publically a few times. They are now offering a product along these lines. 
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At least we can agree on this. Being able to buy things separately was what a lot of us were hoping and waiting for. It just seems we will have to wait a bit longer, if not indefinitely.
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