Will Monzo ever bring online banking? I know there is a portal for emergency use but will there ever be a a full online banking portal where I can do everything I can do in the app?
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Been mentioned a good few times
Basically, they donāt seem to be bothered about it being one phone only/emergency web banking
EDIT: Itās on the US roadmap as an idea. Whether it getās done, or even done then released to the UK too is completely up in the air
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Many didnāt think cheque imaging would ever come so you might one day get it.
Coming 
In 2054
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I have asked them that before in support too. I still use Monzo but it would make them so much better. I donāt really like using my phone for important stuff unless im out and about.
Why have you chosen a mobile app bank then?
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Its the best bank out there IMO except it doesnāt have a web interface. They can quite easily deliver a web version of their app. They actually have one but its very cut down.
Thereās a lot more things that annoy me about traditional banks - hence the switch.
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Strange then that they have not. Must be the cosmic rays
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The issue with having an online portal (for me) is that it increases the attack surface and complicates their security strategy by having to account for vastly different vectors of attack.
Iām quite happy for things to stay mobile only as it focuses development (rather than having split teams working on the same functionality across different platforms) and means security monitoring and response is equally focused and responsive.
As much as Iād LOVE an iPad version or similar, the benefits donāt outweigh the risks for me as a personal account holder. I canāt speak from a joint or business perspective though.
Edit: I believe there is some limited functionality available for business holders, although I have no clue what it includes. Hopefully itās appropriately scoped in access.
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Fair and valid.
But I donāt agree with the thesis that not having Web access makes Monzo more secure. If mostly every other bank offers it without major challenges it must be secure enough.
To me itās more of a āwe donāt want to put the effort in for the expected rewardā decision, in my opinion.
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A reasonable concern, but I believe both the Android and iOS apps use the same REST API calls under the hood as made available to customers, so, so long as the same calls are used by the website, it should not be too much of an issue
That said, there are certainly other areas more deserving of development eyeballs if there is a choice of where to direct effort
What other areas?
The app
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For this, Iād love the āpolishā week to be a polish month. There are still too many things partly done, which they never seem to go back too.
Or, since New Year, New Me and all of that, an iPad version (which would be super nice)
Having never been a developer, I keep interpreting this as Polish week, like on Bake Off where they could bake Polish delicacies.
Is it an Agile term?
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Itās a term a lot of product teams use. The even more funny term some scrum teams might use is āHardening sprintā (no sniggering at the back 
)
Agile (or lean) would suggest never creating the additional work in the first place, and Iām sure thereās some focus on Technical Debt reduction somewhere, maybe thatās what this Polish week starts to push towards
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Just to be slightly pedantic and irrelevant (as usual), Bake Off donāt do national weeks anymore.
There were some accusations of casual racism and inappropriate humour following Mexico week in 2022.
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