Lloyds Silver Club - insurance cover only available up to age 65. European
Monzo Premium - up to age 69. World Wide
At my age - over 65 - these premium offers are too rigid.
I would prefer a modular offer where I could build my own package within the overall offer.
Triggering memories there.
Apologies, but that one’s lost on me.
Basically Monzo tried this. It did not go down well.
Thank you. I wasn’t aware.
Yeah I didn’t know about that one with Lloyds Bank. Plus, that would mean switching to another bank instead of staying with Monzo Plus/Premium.
But, that only lasts for 12 months (got the same thing with Disney+ recently when my other half bought a new Samsung) whereas it would be good to have it continuously for the life of the packaged bank account being paid for - Similar to Sky with Netflix where you can have Netflix for as long as you’re a Sky customer.
I at least got those!
Never did get that T-shirt though 
Only if you don’t wash it.
You get to choose a new Lloyds perk (or renew an existing one) every 12 months. I expect Disney+ to be offered as an option for several years.
True, but that’s relying on that specific “perk” still being available every year - Plus it’s only narrowed down to Disney+ only rather than other streaming services.
I’m talking about something that exists for the life of the packaged bank account, not just 12 months with the hope it’ll be available again after the time period has expired.
Monzo might subsidise it by a tiiiiny amount but they are not going to add a premium subscription without increasing the price.
Spotify/Netflux/Disney is never ever happening at £15 p/m.
As a premium account holder, the services is beyond disappointing. Queries have been answered incorrectly, and I had there was no one to turn to out of office hours. The user experience has been abysmal! I also expect premium service compared to non-premium account holders with guaranteed turnaround times.
Paying customers don’t receive preferential treatment. You receive account perks for your monthly fee, that’s it. Customer service remains the same.
To be fair to the OP it’s not unrealistic to expect a better quality of service. Barclays, HSBC and I think RBS/NatWest offer a dedicated line as part of their premier offering.
I know but it’s got a similar tone “premium” “premier” so you can see why people might assume the same sort of offering or service.
Premium can have better, if free is excellent. But it isn’t.
I still stand by my point.
Premier banking is totally different to paid Premium for inclusive insurance and other menial perks.
And just because you pay £15 a month doesn’t entitle you to anything better.
I can however agree that customer service based on others reviews could be better. I’ve never really experienced it but then again, I can use initiative for the most part and find my own answers. It’s not the case for everyone, but having worked chats for Monzo, it’s very apparent people don’t look.
The funny thing is that the two times I’ve needed support since getting Plus/Premium the support has been super quick (ie. within an hour or two) and have started “Hey I’m XYZ from the Plus/Premium team”.
So there was at the very least acknowledgement of my account type, even if it wasn’t coming from a place of improved service.
This could be the routing of the chat. They had/have a Paid/savings team so may have landed with them hence the specific reply.
Maybe. Though neither had anything to do with my subscription. They were banking issues and one was specifically Flex 