I paid £4.99 for a Revolut kids card to test it. It didn’t work out - but that’s a good yardstick on what (most) people may pay for a physical card. A one-off cost though.
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Yeah. But don’t forget we’re the customers 
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To be fair, at least on TfL’s network, I’ve not had a problem with this for as long as Apple Pay + Monzo has been a thing.
And with the Express Transit option in iOS, I believe you can still scan a card even with a dead battery
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Express Transit all the way. So quick and simple, and can confirm it works even with phone dead for a decent amount of time.
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Ahem.
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Yes
Of the pot? No
But you have to create the card to add to the pot. You can’t link an existing card afaik
Link another I guess
Not that I can see unless you delete the card
I don’t understand what you mean
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I’d doubt it. You’re giving the merchant the virtual card number so it’s not that Monzo are doing any merchant to pot matching.
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To me, it seems that a pot can’t do anything directly because it isn’t an account in itself.
Only the account under which a pot exists can have payments taken, receive money, etc. and that’s the big issue with pots.
A Virtual Card is a ‘payment account’ - as in, payments can be taken from them - so by assigning a VC to be funded by a specific pot, it makes the specific pot able to act as a payment account. Clever really. The pot is still ‘dumb’ but can fund a VC which is the payment account.
A pot can now be surrounded by 2 payment accounts - the bank account it sits under and the VC assigned to it. Pincer-move complete. This makes the Monzo account very powerful for automation and segregation of funds for payments.
I can see this would be confusing to some users though - it’s very much on the tech-side of UX
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I am intrigued to see how Monzo are going to communicate all of this to users when it properly launches. I personally got a bit confused yesterday when trying to work out how to reconfigure my set-up to make use of this, and obviously for people to feel the full benefits they will need to get on board with it. I also struggled to explain to my partner, who is less tech-savvy, what it all is and how he would go about setting it up. Would be good to have some example set-ups/use cases.
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Is it that complicated though? It’s just a virtual card with a limit that’s fixed by what’s available in it’s linked pot
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I guess maybe I found it more complicated because I didn’t full grasp the concept of how a virtual pot and bills pot work together. Through trial and error I realised that I can set up a virtual card linked to a pot and then move my bills into being paid from the same pot. Prior to that I had thought that my bills pot and virtual card with subscriptions had to be separate.
And on the concept of a virtual card, Monzo obviously appreciate that it isn’t easy for everyone to understand as I was asked to complete a survey by them a while back asking about how I might explain a virtual card to someone.
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I think if you’ve already got them set up or some other work around then it might be a bit more complex.
But if you’re starting fresh I think it’s pretty simple. Use this new shiny card and the money comes from this pot. Use your normal card and it comes from your normal account.
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I can see the “Reconfigure” bit being really interesting.
As a feature, it sounds great, and as someone generally interested in the concept, I can see good use cases for it. Not sure if that would hold true for all users though.
It almost needs a “these are some powerful use cases” explainer of sorts.
I’m trying myself to work on what the best way to integrate these into my day to day finances are, and I’ve not mastered it yet.
I do partially worry the limit of 5 will be the blocker.
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I’m loving this. It has also given me a reason to sign back up to Curve.
I’ve got a Fuel Expenses Pot that I use for refueling my car on/after business trips and the pot gets funded by claiming mileage expenses. As I’m able to claim more than I spend, over time and with enough miles, this pot will help fund my next car.
I don’t necessarily need curve for that as I could use a virtual card added to Google Pay but that’s not really an option if I want to pay at the pump.
It would be really cool if down the line monzo could offer a similar type of physical card that could manage their virtual cards.
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Not sure if this has been noted but the manage tab on bills pot has been updated too
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Yeah there’s a thread about it
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Ahh missed that, thank you
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I changed the colour of my virtual card and it updated in Apple wallet. That’s incredible
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Yep and come to think of it aswell when I signed up to business pro I got a different card. I activated it in the app and it auto updated on ApplePay straight away
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Yessss!!!
That would be good if you can link a virtual card to a credit pot. The less credit limit available you have the more red the card goes 
Endless opportunity for future products
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