Was it?
Show me on email says intentional as i no see
I agree - the best version of this I see is something along the line of…
| Old Wording | New Wording | What it means |
|---|---|---|
| Clause clause clause clause | Clausy McClauseFace | We’ve renamed our Clauses because reasons |
| Very detailed technical requirements with lots of info in one statement | Simplified technical requirement | We’ve simplified the wording to make the clause clearer |
Also I’ve not yet received the email - so I gather they are going out in batches - but I feel like tracked changes on a word document when you have a few dozen different browsers accessing it isn’t the best in end user accessibility.
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That layout works to a degree, but I’m not too keen on it for a couple of reasons. One, it takes the statements out of context, which removes a degree of clarity. Two, the third column is broadly unnecessary - you should be able to see from the comparison what has changed and why, without it needing to be spelt out.
For the record, a number of the changes are the opposite of your second example - they’ve taken a simple statement and replaced it with more detail - several paragraphs, in one case - to add clarity over what kind of changes they may make in the future. (“We cane make changes for any reason.” becomes “We can make changes [to the following things] [for the following reasons]”
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To be fair I don’t like attachments full stop. Put a link in the email to your website and I’ll download from the website if I want a copy.
Get this at work when we have a local server and things still get attached unnecessarily.
Def not a .docx file. 
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Most financial organisations show T&C changes the way @BritishLibrary has laid out and the third column is very important as the regulators expect financial institutions to make clear what the changes are and in plain English - not as tracked comments.
Where the text might be longer now than a previous version all an institution has to say is that ‘We have made clearer when x applies…’
Even financial institutions which circulate a full revised set off T&C generally include a summary of specific changes using the 3 column layout.
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Most banks won’t even deliver a card to an address other than your registered address. If you lose your card whilst abroad with most banks it’s a case of waiting until you get home.
Proofreader should also check the links work correctly in the Word document:
Fees and charges 
Yeah, look at square 10 years later is quite a mature player in the financial sector
Thanks, appreciate the clear explanation as to why that third column is necessary. I hadn’t considered that the regulators would expect things to be explicitly spelled out, but I can appreciate that may be the case.
I think the reason I didn’t consider that with the third column was perhaps because I was looking at the comparison in the way that one would compare a Wikipedia diff 
I’m not sure what banks you are using but I have had cards shipped abroad with many banks
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I thought interest rate changes have to be communicated in advance to allow people to withdraw their money if they want.
I have all three of these on my devices. They didn’t help in viewing the tracked changes in the attachment.
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You do this professionally and send it via PDF.
You don’t. Windows comes with a browser and PDF reader.
I had a good giggle at the fact that monzo sent a word document of all things 
and they didn’t even sanitise it, that’s the worrying part.
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I have no issues with the new T&C’s, after reading them very carefully (I am a details person)
#topic-killer
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Came here to have a moan about a bank sending me a docx file as an attachment. 
Nevermind the fact that I don’t have anything that can read it, isn’t that just spam filter bait?
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Neither is fine. We’d all fail a simple phishing attempt. Worrying if you ask me.
So am I. Which is why I would like to know if Monzo consider the text I quoted in 5. of my OP complies with the spirit of the ‘Authorised Push Payment Scam Code’ which Monzo were in the process of joining a few months ago.
Agreed. The attachment made it look like a scam. Goes against all common sense on the internet and opening attachments that you are not expecting.
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The Monzo terms on this are clear and presented without misinterpretation.
And in the app, you are presented with a warning when transferring money to ‘outside’ recipients; send money to someone at your own risk.