I would be very happy to see Monzo offering a free bank account. I’d be happy that it pays no interest on credit balances and charges sensible fees for an overdraft if they could provide a £50 fee/interest free buffer.
The appeal of no foreign loading on overseas payments is becoming more of an important necessity, it’s a real USP as many other banks don’t offer this, as they are greedy and happy to overly profit from their customers spending their own money.
Also I would welcome Monzo considering allowing young people (14+) to open accounts, guaranteed by parents if required and with no overdraft, but with all the other benefits of the account. Then when at a certain age allowing them to automatically upgrade to a full ‘adult’ account. Catching kids young and getting them into Monzo is important, most kids are steered to banks by who their parents use, but this is a great concept that should be celebrated and enjoyed by all.
Roll on 2017 and a full account offering. Please make it truly unique.