87% of stats are made up.
Its not anti-monzo, its monzo being anti-customer.
We get it, Plus is beneficial to you.
You can replace the exaggerated percentages with the words the vast majority and a slim portion and its the same reasoning.
People on the whole like a free movie. You wouldn’t waste time to call up Sky even if you had no intention on watching a single movie.
It is. And you detest everything about it. Let’s leave it there shall we?
You asked the question trying to connect with complaining about being given free movies. I’ve just replied with my thoughts on why thats not similar at all.
Put it this way if i was anti-monzo and wanted it destroyed by poo-poo every decision it really shouldn’t matter at a personal level.
I use monzo daily and have for many years. I want them to succeed. I dont want them to make stupid decisions. I really dont care if you have Plus and I dont.
Auto-enrolling into trials is a no-no in my book, especially around financial decisions.
Hopefully with flogging that horse enough, we’ll have monzo staff 
taking notes like @ArisC if i havent frightened them off and feeding it back to those in marketing.
If you ask a question its going to be answered, thats the nature of forums.
Revels, the example you gave was terrible.
It’s not about being anti Monzo.
Monzo plus fundermentally changes my banking app, my banking app is critical to me to live day to day.
If I had sky and they gave me a month of few movies, if I don’t want it then I just don’t go to the channel.
But I couldn’t do this with Monzo Plus.
It’s common curtesy to ASK if I want to change my banking app by having a free trial.
I didn’t mean you.
Does it? You don’t get a card, don’t create/use custom categories, don’t add extra accounts etc etc.
What huge change is there? You don’t lose anything, you only gain.
I think the problem is on the back end - that would require a different workflow - here by bulk-adding you to already have it, user can just be directed to the normal cancel process.
What does it change? I think it’s changed my background colour to kinda-green and added a plus button at the bottom.
That’s it.
I’m not planning on using it, I won’t sign up to it, but it’s very clear in 30 days it will revert back automatically and it’s completely free.
Do people phone Sky and rant that they’ve been given free movies for a month?
You cannot compare the two - banking is a heavily regulated space. Remember the basis of my complaint is that not that I’m personally bothered but I think the overall activity of bulk opt-in to Paid accounts is not in line with the Banking code of conduct even if no charge is every provided.
Which isn’t correct, as you’ve already pointed out, but you just want to do it anyway.
This trial NEVER becomes payable.
I think it rests on “may become” which I think means you cannot automatically opt-in people to paid products even if there it’s upto them if they pay in the future - it needs active consent.
It will come out in the wash with the ombudsman - looking on twitter a few other users are going down this route so we will see and I am guessing they read this forum because they are doing it on same basis as me.
I’m sure Monzo checked, but people will always complain if they think they might make some money out of it.
The rule is very clear. If this trial ended and you were auto-charged then that would be very different. But that isn’t the case.
Or maybe people complain because they think something isn’t right?
I’m sure Monzo checked,
Yeah - never been any mistakes or sharp practices in banking.
I’m not interested in making any money out of it - why would I - the actual loss to me is zero. It’s about application of process.
The rule is very clear.
We disagree on this so not much point discussing further,
It won’t…
You aren’t…
You haven’t…
…because you’ve only been given access to a trial version of Plus. The features (whether you value them or not) require active engagement by you if they are to do anything.
As such, if you decide not to engage then nothing will be used and nothing will change.
You can read my Auto enrolled into banking features as your access to a trial version of Plus. I mean exactly that.
Its the same thing, and i agree with you they require active engagement.
If you were given a 32 day free overdraft without your permission would you be concerned? I would give them both barrels even if i had zero intention of making use of that.
If someone then made use of that then got into financial difficulty im sure you would feel different.
Its luring people into getting hooked on a feature before saying and now you got to pay.
You’re taking away that decision from the customer of whether they wanted that.
Its far better (from a customer perspective) if they actually came up with new features that people (the majority) were happy to chuck £5 at because they really wanted them.
I was just invited to Monzo Plus, basically free for 1 month, I never had it before nor did I express any interest for it. So I think this is more of a general campaign for them rather than being directed to a specific person.
Of course as that is opening a line of credit, it’s completely different.
No, they are saying from the very start if after a month you want to use and keep these features then you will have to pay. They make that quite clear from the get go.
Giving access does not remove the decision from the customer.
If a restaurant opens their door as I walk by I’m not obliged to enter or even sit down and commit to a meal. I can simply keep on walking.
With this trial, the customer can keep on walking too, they can continue to use their monzo app in exactly the same way as before the trial and they won’t have any decisions made for them.
I’m not going to get into a back and forth about what’s worth a fiver, it will be different for everyone. In any case if the majority of your customers are paying it, it’s too cheap.
But its not that.
It is one of those medicore restaurants that hasn’t got the reputation of people wanting to actually eat there.
So has staff in the 50m proximity of the restaurant that badgers you as you are walking up and down the street asking if you are hungry and trying to physically steer you inside and saying things like we are the best in the town, we get you the best table in the house.
They wouldn’t have to resort to those tactics if lots of people wanted to eat there and it had a great experience and menu.
If it were such a bad restaurant I doubt they’d be giving away free meals for the first month and relying on repeat customers for income.
In any case I think the restaurant metaphor has been well and truly stretched.
We clearly have different views on the trial.