I have both Monzo and Starling cards and have followed both from the early days. Starling is always ahead - first to get a banking licence, first to get current accounts, first to get Android Pay, only one so far to have Apple Pay payments and Apple Pay current a/c top-up, only one to integrate with Yolt.
So if I were an unfeeling AI robot I should choose Starling, so why do I always favour and always champion Monzo?
The answer is:
- they feel less corporate
- they act less corporate
- they have outstanding customer service (although Starling’s is very good too)
- they explain everything (the need to introduce overseas ATM fees and their engagement with their customers was a masterclass in customer interaction)
So whilst I’m left feeling a little frustrated I can’t yet use Monzo with Apple Pay, can’t do in-app top-ups via Apple Pay, doesn’t integrate with Yolt, I’m STILL sticking with Monzo.
And that’s the power of fostering genuine loyalty and genuinely caring about your customers.