No surprise there. There is something distinctly un-festive about a bank transfer (although I did resort to it this year!). Opening a card to find a cheque is more of a “gift”, although obviously it is a bit of a pain!
Perhaps Monzo could do some kind of eCard (like the animated Amazon ones) where the person clicks on the link, sees a festive message and can claim the money?
I ask because they claim that they cleared the backlog several days prior to my cheque arriving hence why they can be sure they told me that my cheque arrived in the app the same day it did from the Royal Mail. I just don’t believe that it took Royal Mail almost 3 weeks to deliver a cheque and that it wasn’t actually just in a pile.
This sounds like a brilliant idea to me - they could also offer ‘gift card vouchers’ like Amazon (which received from my Mum this year) - comes with a scratch off 16 character code, go to monzo.com/redeem and then enter your bank account details to claim. Of course, there might have to be a small charge for the cards/postage, but it’ll be a good substitute for family cheques and the code could also say ‘XYZ sent you this gift of £xxx from their Monzo account - you can either send it to an existing UK or International bank account or signup for a Monzo account: which would you like to do?’
This isn’t a million miles away from the send money by text or email function. Maybe add a PDF option, make it look a bit cheque like or something - or add birthday/Christmas/occasion customisations to it, then it’s a nice thing you can print and put in a card.