You have failed gender/age/location verification. Goodbye!
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Yeah thatās what I figured. 
I tried the link again with different answers but it cut me out in the same place - so I assume itās a tracked link
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If this is the case, it wonāt matter who clicks on the link. @BritishLibrary has been logged as the wrong demographic!
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Maybe they have seen my impassioned commentary on packaged accounts and realise they donāt need my opinions 
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Very good journalistic integreity there. I thank you. Err. Your source probably appreciates that.
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This explains why I havenāt been invited.
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How far did you get? 
So out of all the options in the survey - and from each of the three āstylesā of package you pick, it then asks you to pick your favourite of the three.
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Some personal news! Iām delighted to confirm that Iām now Chief Pollster for Monz-oh-no.
/S
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I got this last week but with an offer of a Ā£40 gift card!!!
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Yeah I found the way it merged the bits into one a bit difficult for properly scoring.
Some were āclosest to what I wantā Vs ābest of a bad bunchā type of thing.
Similarly some questions were slightly leading I felt - āadd family cover for Ā£3ā / noā hard to give feedback on wether the price is the problem, the family part is not needed etc.
And making assumptions about what the headline means - like home contents cover - in theory I want but I need more terms to assess the price etc.
Another nugget From Working In A Brand That Does Research Is that thereās a known fact that purchasing behaviour isnāt always replicated IRL vs in research
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Agree with this. The āIāll give you money if you give me moneyā game is only going to have one winner. If itās me, Iāll sign up, but itās a strange product offering.
Fwiw, Iād probably take Spotify for Ā£7.99/mo, because I currently pay Ā£9.99/mo, but Iām not sure Monzoās future profits will be made from deals like this.
More generally, I find these packaged accounts a bit strange. In the days of price comparison websites, there is so much choice out there with insurance products, and theyāre so easy to get, that it rarely makes sense to buy a package from your bank.
Gut feeling is that, if Monzo want to make money from insurance, they should do it properly and decouple it from the current account offerings.
If, as once was said, Monzo need to offer packages like this to allow customers who rely on them to switch their current accounts to Monzo, then Monzo should just quietly copy/match the competitionās offerings.
Iāve looked again and changed my vote to Max.
By my reckoning, thatās giving me the extras I use in Premium for a tenner, when you subtract the 9.99 I already pay for Spotify.
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Might be worth unpacking some of the features in these packages:
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3.9% interest on instant access savings. No upper threshold given! Although thatās still below the base rate meaning Monzo will still be making money. Depending on how you look at it, I think Ā£1230 in savings would make back the Ā£2.99 fee. Or, if youāre comparing it to the standard 3.4pc youād need Ā£7200 in savings to make up the difference.
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Credit builder card sounds interesting. Flex for everyone eligible for a current account (with a low limit?) or might some still be rejected. Bit crap to have it part of the bundle, if so.
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Multi-score tracker Experian and Equifax incoming alongside TransUnion? If this happens, I hope for a tab in Trends, graphs and a better way of showing/comparing the data.
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Track and manage all of your accounts, all in one place. Connected accounts remain behind the paywall? Or is this signalling manual (un)connected accounts? After all, you canāt currently have all your accounts in Monzo.
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Smart budgeting. This is curious. These are just standard features unless theyāre developing an automated salary sorter (plausible as the US now has it), more options in Trends etc.
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Automated savings through challengesā¦. Iām hoping this means that the IFTTT connection wonāt be necessary for things like the savings challenges. Native savings challenges incoming? Otherwise itās just a standard feature - which is rapidly being paywalled by ifttt themselves. Unless Monzo have agreed with Ifttt that theyāll be free for paid customers?
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ā¦and moving money to earn interest when you donāt need it. Could this be an interest bearing Bills pot that avoids the issues of the savings pot (pay bills from it, schedule withdrawals etc)?
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5% on roundups. Great! If you canāt beat them, thenā¦ (Although why not beat them with 5.5%?)
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Personalised spend insights and Targets no paywalling Targets (still poorly named) please!
Any thoughts? Anything else catch anyoneās eye?
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Interesting option 
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Iād be tempted by the Max Perks accountā¦ but ONLY if I could have it on my joint account, you know, the one that I actually use for everything. Right now, I have almost that exact same Perk set on a Lloyds JOINT account that we only set up so that we can get the perk set, and we use it for several k a month of traffic that Monzoās missing out on having the money on hand for. If Monzo would offer it on Joint, weād close the Lloyds account in a heartbeat and move back the bills that we pay out of it to keep it active.
Come on Monzo, put these options on joint accounts, not just on personal ones.
Edit, I was a premium subscrber for years until the Lloyds perks changed to include roadside recovery, now Iāve cancelled it to move the perk account across to them, with the added bonus that it all covers both of us, not just me.
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Well thatās just a choice made by you, as all that money could still go to monzo and you just send the Ā£21 to Lloyds every month instead, so itās not really a valid point to not use monzo at this time.
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