I’ll echo many of those thoughts.
I’ve said it before but I really loved the older versions of the app that had less clutter, took you straight to your balances and proper transaction list, and the red/amber/green left to spend graphic.
When it comes to pensions, savings, credit cards, loans, etc, I’m motivated by keeping costs down. I have no desire to spend more just to keep it all within Monzo (or anyone else) so Monzo’s offerings were unlikely ever to appeal to me.
I can see how Monzo Flex might work for some people, but for me it’s opposite of what I want. I loved the simplicity of the old app because I felt more in touch with my money, incoming and expenditure was easy to follow, and it just worked well for me. Flex, as I see it, obfuscates my financial position, and I don’t like that.
I don’t care for the packaged accounts. None of them represent good value for money for me.
What would I like to see from Monzo? An app that’s more focussed on the current account, as well as forecasting income and expenditure over the month. Like the old one was.