New user - wish list!

[alexs (Alex Sherwood)]

Hi Jesper, welcome to the community! And thanks for giving me something to do to keep me busy this evening

It’s great to hear that you like the card color, you’ll be seeing that around lots more soon! You have come to the right place to suggest new features

The fact that you have the Android app does make a difference at the moment. The good news is, Monzo have developed their back end to support lots of features for the app, when they built them for the iOS app, which Monzo bought out first.

Having said that, most of the team’s time is being spent working on the last few steps that have to be completed in order to gain Monzo’s full banking license (Paul mentioned that it could be granted in as little as 6 - 8 weeks, at the open office event earlier this week!) so development of both apps has slowed a little.

What this means is you’re going to have to wait a little while for some of the features that you’ve mentioned, which are available in the iOS app.

But Monzo hired a 3rd Android developer this week & ultimately they are aiming to get to feature parity between the two apps.
As Hugo mentioned earlier today, the next iOS feature is being built for Android at the same time

That’s just something to bear in mind when looking at the blog when you’re reading the blog posts that I’m about to share

@jesper10

The ability to PIN-lock the app to stop anyone accessing it to see your balance.

This feature is on the roadmap for Android & here’s what it looks like on iOS right now -

New Mondo Update: Touch ID, Profile Editing and More

in the meantime, here are some workarounds for Android users -

Android App Login Security

You are required to enter your PIN before you can send money to someone on your contact list - You can now send money to anyone else who has a Monzo account, on iOS or Android. It’s sent instantly, securely authenticated with your PIN and of course, it’s totally free. Obviously you should secure your phone with a passcode & if you’re looking to stop others from accessing the app, once they have your phone then you can use one of the apps mentioned here - Or Norton App Lock …

@jesper10

The ability to log completely out of the app, should the user feel the need.

iOS users can log out of the app from their profile & I assume that Android users will be able to too, this is one of the next features that will be developed for Android, according to the roadmap.

@jesper10

The ability to link more than one current account to the app to top-up from

Just to be pedantic, as far as I know, you can’t link any accounts to the app at the moment but it would be nice to be able to store more than one card in it, for top-ups.

I can’t find a comment from the Monzo team on this idea (although it has been mentioned a few times before) but to be honest, I expect the answer to this one is something like - this is a problem that will largely go away once Monzo launches current accounts, as users will then be getting their salaries paid into their accounts..maybe

In the meantime, you can also top up your account by bank transfer / standing order, if that’s any help -

Topping up by bank transfer / standing order

A few people have asked whether they can top up by bank transfer/standing order and the answer is yes It’s a feature we’ve had for a while (and was initially the only way to top up) but it’s pretty hidden. You will need to stick within the top up limits (detailed within section 17 of our terms and conditions https://getmondo.co.uk/terms). Details are: • Account name: WDCS Re Focus • Sort code: 20-59-42 • Account number: 13219585 • Reference: (the 9-digit number on the bottom left of…

@jesper10

Conversely, the ability to transfer back out of your Monzo account.

Since the Monzo card is a prepaid card, it’s intended to be used to make payments, rather than transfers, hence this limitation. But this will definitely be solved when the current accounts launch & faster payments is available

@jesper10

When topping up within the app, it would be good to be able to type the value you want to top-up by. Tapping the “+” to get to your intended figure is fun and all, but it would make for a better UX if the customer could just simply type the value.

Here’s why this isn’t a thing, at the moment -

Top up via card

Hey @billinghamj that’s a very interesting behaviour that we’re fully aware. In fact part of the Mondo team are a bit OCD about it too, the beauty of round up numbers, etc. They’re all hating me for that The reason for not having it is twofold, classic design trade-off. We want a simple progressive input. If we bring a keyboard we need to deal with limits, decimals, errors, an extra zero can be a huge mistake and the keyboard will cover the payment buttons (so you need a dismi…

although it is possible when transferring money via Monzo.me

@jesper10

Security features like being able to toggle the disable/enable things like contactless payments/ATM withdrawals and online transactions

Magstripe withdrawals are already disabled by default but can be enabled for 24 hours, in..you guessed it, the iOS app, for now. They can be enabled for Android users if you ask the customer support team though, through the in-app chat or by emailing help@monzo.com

There’s been some positive noises from the Monzo team, when discussing disabling contactless payments, in the developer’s Slack channel, although

&

Disabling online transactions is obviously possible - as Revolut have shown - although it seems a bit risky, as you could end up blocking an Amazon payment (which is only taken when your item ships) that you forgot about, for example..given the fact that you receive instant notifications for each transaction & can freeze the card instantly, this isn’t a big concern for me but perhaps it is for others..

@jesper10

Very far down the wish list as it would be a “neat addition” would be the ability to have a parent>child card (or multiple child cards).

This would be great, Tom (Monzo’s CEO) explains why Monzo haven’t done this so far & is clearly keen on the idea, judging by this post -

https://community.monzo.com/t/monzo-card-for-under-18s/1689/6?u=alexs

there’s been a bit of discussion about being able to top up cards from parent’s accounts here too -

Multiple Cards, One Account

Sharing mondo with a friend of mine who has children, they asked if you could have multiple cards controlled by one account. They were always conscious about giving their children cash incase they lost it and would like to give them a card like Mondo’s where they can top it up with certain amounts and freeze it of their child lost it. Of course the child is too young (under 18) for their own account, that’s why their cards would be connected to their parents account(s).

@jesper10

I’m sure I’ll possibly think of a few more when I get more time

keep the ideas coming!

And just to mention, if you’re interested in finding out even more about Monzo, this is a good place to start -

So You've Just Signed Up to Monzo, What Next? Tips (open Wiki)

There’s already lots of useful information that new users might want to know in this community but it can be tricky to find. So this Wiki (which anyone can edit) has been created so that users can share tips with the latest Monzonaughts. [image] All artwork in this post by Monzonaught Looking for more info about the current accounts / debit cards? Here’s a summary - Want to know which features will be added next? View the Monzo product roadmap here. The Sneak Peaks category is wh…

Or if you want to know pretty much everything I know about Monzo + a few things I’ve probably forgotten, here’s my list of popular feature requests, bug reports, a few videos etc. about Monzo.

Oh & the latest update for the Android app which some great new features in it, was released in the Beta channel today so that’s coming soon