HSBC updated their app today to include a “freeze card” functionality. HSBC’s app is still miles behind Monzo in terms of freshness, features and usability, but this update reminded me of what I think is a core flaw in Monzo app’s design. Even after Monzo shutted down it’s prepaid scheme, the app remained too card centric. I think that’s the main reason why people get confused about where to download their bank statements from, and I feel the problem will remain until the account comes forward and the card takes a step back.
I mean, the account tab has a card icon. The daily bank transfer limit is in the card’s settings page. Statements and account details are in what looks more like a user profile page while card details are obvious. Pots are virtual accounts but are designed to look like cards.
Monzo needs to address this, cause if it continues adding features on this “broken” UX, the app will become even more complicated to use.