Yeah I feel for now their focus needs to be getting the current account into profitability / closing off a good number of The Big List before they’d even consider other credit options.
Maybe the Marketplace would be where/when we see some form of credit card based thing in Monzo, but I can’t imagine it would be part of their own offering for a long time.
Are we the same person? 
Haha! I don’t know, but feel free to pay my bill when you pay yours 
If you’re putting in the long card number in theory Monzo would make a bit of money from this as they’d get a portion of the processing fee charged to Amex?
But if you want to do FPS this is from the Amex website:
30-00-00, now thats a nice sort code…
I’ve stopped using my Amex Platinum since they cut the cashback to 0.5%. The issues with acceptance just aren’t worth it for me and I definitely find it easier to track my spending now I’m down to just one credit card (NatWest Reward Card).
I use AMEX purely for the reward points (transferred to air miles).
I find it better value than the cashback, and for 95% of my spend, there’s no acceptance issues.
My understanding was that Monzo make a loss from this, not a profit:
I wonder if it makes a difference. It may be that FPS cost as much as is I pay it off online with my Monzo card.
However if one is cheaper than the other I’d make sure to use that!
Lloyds bank head office sort code 
I read @anon71373850’s responce as if faster payments are being discussed. I’m sure Joey can confirm if filling out the card details as if purchasing something online from a merchant would earn Monzo money not?
Edit: Monzo Staff Weekly Q&A - Annual Report Edition!
My guess is paying online with the long card number on Amex world be classed as merchant spend / point of sale.
I understand Monzo’s idea is offer a marketplace of services, but I do think the market has a lack of next level ‘digital’ credit card companies. I’d love if Monzo brought out a credit card. A great way for them to monetise too.
Current account, joint accounts and credit cards - everything you need from a bank.
Hi @anon59862643 dropped your post in here. As you see the suggestion has been rumbling on for a while! No plans yet but who knows what the future holds!
@anon91821566 post gives you an idea of Monzo’s feeling towards a credit card
https://community.monzo.com/t/what-about-credit-cards/5373/4?u=glasgow
Tom Blomfield’s comment is from 2 years ago. Many things have change at Monzo since then I would like to know if he really feels the same about Monzo credit card now 
I can see Starling offering credit cards in the near future. It should be relatively easy for their customers who have already had a bank account with Starling for some time to be accepted. 
Monzo is making huge mistake not pursuing the credit card business. Other fintechs will step in in the absence of Monzo’s offering and winning back the loyalty of customers will be difficult 
I realise that credit cards are not necessary in many countries but the UK is not one of those places. I can’t imagine not having cc in the UK or when I travel abroad.
I really don’t agree. Let me explain why by looking at Monzo’s strategy and then the credit card business and how fintech might seek to disrupt it.
So for Monzo’s strategy, they’ve continuously said that they want to make the best personal current account on the market. There’s still some way to go to achieve that ambition - particularly when you look at them wanting over 1 billion users worldwide. For every additional product they release, the less focus Monzo has on the current account. Now, you might argue that joint accounts showed that this mission had been diluted slightly. That might be true, but there’s a long way to go through international expansion, additional features, business accounts etc before you arrive at credit cards.
Also on the strategy, Monzo wants to help people manage money better (or create a financial control centre) - they can do this by integrating credit cards provided by third parties. They don’t need to provide every financial product themselves.
Then there’s the question of credit cards and fintech. Tandem aside (which I’ll get onto) no fintech has attempted to enter this market. I suspect it’s because you firstly need loads of capital to lend, but also that the innovation that we associate with fintech (instant notification, spend analytics, low/no fees etc) don’t naturally marry with credit cards. To make money a fintech would need to hope that people persisted in credit - the more helpful and intuitive spending insights the more unlikely that is to happen. I mentioned Tandem earlier, but its implementation seems to be very old bank (paper statements!) rather than fintech.
I may well be proved wrong but I can’t see a credit card in the Monzo’s short to medium term future. I can see integrations with third party providers, sure. And maybe Monzo trying to rethink the benefits of a credit card in a different way - a way for section 75 type protection, for example, or a month’s worth of 0% interest - but not a classic credit card.
Just my views - time will tell!
(Edit: Despite all that I’d quite like a decent fintech credit card!)
Hmmm…somehow never saw all these replies but yes - totally agree with Nick! Credit cards are the safest and most rewarding way to spend money, so I put absolutely everything on there, and pay it off each month.
I used to. But I got to the point where I didn’t really know where my money was going - and no instant notifications /live transaction list irritated me after being spoilt by Monzo. I’m actually spending less and budgeting better with Monzo.
I’d still like a good modern credit card though. As in waffle on about above, though, I’m just not sure it’s in the providers interest to give one to me.
But a credit line, 0% for a month, purchase protection and integration with Monzo = 
I am aware that Monzo wants to make the best current account in the world. But they could stop for a second to give some consideration to what could attract people to using their current account more.
To me the answer is straightforward. It is the credit card offered by the same company that provides current account for me, has the same values which made me consider opening the account with them in first place.
I am not sure if I need marketplace to choose a credit card. I am not convinced if the credit card I want would be available there. What I know is what kind of provider Monzo is and that I would trust them with how they run their credit card business more than I trust Barclays, HSBC, Amex or as a matter of fact other marketplace provider.
Out of interest, what would you do if there’s no Monzo credit card forthcoming? Move back to a high street bank that provides a credit card and a current account?
I would be where I am now. Using great current account from modern bank and very average credit card from a backward provider. Not satisfied and returning to this thread to check for any update from Monzo.