So the always popular and not at all contentious Big Poll has Monzo Premier account for those that meet certain criteria as the top pick (currently, at least).
Which had me wondering: what would a Monzo Premier account look and feel like? What would differentiate it? What would the criteria be?
Whack your thoughts below
I think a lot of those are for a paid account but not premier.
To me, premier accounts focus less on the physical gimmicks and more on the personal relationships, investments, high level accounts, high balances with perhaps some kind of exclusive services (concierge, top level hotel/airline status etc) and a classy looking card (usually black in colour or something).
None of it fits Monzo’s ethos to me, but then I suppose there will be “new money” in the future where Monzo will have been a part of their lives so who knows!
Max but for free if you meet the criteria, so never happening.
I think in order for you to be able a premier service, you need to have a top notch free service first, which Monzo do not.
You can have great and then paid for is amazing. But not average and then you pay for great.
*Edit - Extra for free would be good if you pay in £x, direct debits etc.Still unlikely as Monzo don’t want give away what people pay for, but might entice more “full” Monzo.
Interesting.
Obviously a black card 
I’d personally like to see better and possibly included travel insurance, actual live chat and a phone line, and better credit card options.
Ability to opt out of community polls.
All community polls are mandatory.
Do you understand?
Oh i know. Sadly there’s no Premier account so I know I had to vote.
Always smacks me as super niche product, that I don’t know how you make the sums add up with the features asked for
Or two sausage rolls
I bought two sausage rolls at Waterloo station this week and it cost me £10.78
So I’d like those to be free.
All Max features, plus:
50% discount on Premier Inn rooms
50% discount on movie premiers
50% discount on Premier league tickets
50% discount at Premier stores
Cashback on every spend
Avios tie-in
Dedicated phone number for real-person help
Better savings rate
Better investment choices
Works with Joint account
Black metal card that I designed
Yup. Zero intelligence and effort required.
All other suggestions perfectly reasonable.
This one, however…
Genuinely curious, why do people care at all about card colour?
Oh boy, do you have some reading to do.
Out of curiosity, I asked AI “Please design a Premier banking tier for Monzo Bank. what would a Monzo Premier account look and feel like? What would differentiate it? What would the criteria be? Please explain the business case for such an offering.”
This is what it said:
Monzo Premier would be a premium tier designed to cater to high-net-worth individuals while maintaining Monzo’s signature digital-first approach and user-friendly interface. This offering would blend the best of traditional premier banking services with Monzo’s innovative fintech features.
To qualify for Monzo Premier, customers would need to meet one of the following criteria:
Introducing Monzo Premier would allow the bank to:
Attract High-Value Customers: By offering premium services, Monzo can appeal to a wealthier demographic, increasing its average customer value[33].
Increase Revenue Streams: Premier accounts typically generate higher fees and provide opportunities for cross-selling more profitable products like mortgages and investments[7].
Enhance Brand Perception: A premier offering can elevate Monzo’s brand image, positioning it as a full-service bank capable of meeting sophisticated financial needs[26].
Improve Customer Retention: Premium services and personalised attention can increase loyalty among high-value customers, reducing churn[1].
Competitive Differentiation: By blending traditional premier banking with its digital-first approach, Monzo can create a unique value proposition in the market[32].
Data Insights: Serving premier clients can provide valuable data on high-net-worth individuals’ financial behaviours, informing future product development[33].
Cross-Subsidisation: Higher margins from premier services could potentially subsidise free services for other customers, supporting Monzo’s inclusive banking model[7].
By introducing Monzo Premier, the bank can expand its market share, diversify its revenue streams, and strengthen its position as a leading digital bank capable of serving customers across all wealth segments.
I can’t post anymore. I’m the first person in the world to be off topic. Thanks dan
Not a chance!
It’s an interesting thought experiment.
But I agree - unlikely to happen in a similar way to HSBC / Barclays etc Premier.
Pretty much what I suggested 
So far most of these posts are just packaged accounts. That’s not what Premier banking is.