I’d have thanked him and said I’d sign up.
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Yeah ive done it once myself as a trial and had to tell the person to swipe also.
My point was more it gives off a less professional or legit feel to “top up” your card using paypoint as opposed to using say the post office to deposit cash.
At least thats how it feels to me and could give the impression to others too that by choosing paypoint over the more corporate feeling of post office deposits.
(I dont want to start up the which is better method of deposits argument again, just think the points valid here on feeling like a prepaid card still to some)
No argument. The answer is the method that is free to the customer. 
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Not only that @anon70107404 but also the method that doesn’t require the customer to have to convince the retailer they can do it and then show them how.
In fact keeping this on topic perhaps part of the image issue is the fact that using pay point means using terminology like “topping up” because retailers don’t seem to understand that Monzo customers can deposit money
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Perhaps Monzo should use the community as PR, let the users advertise , as in snapshot the passionate customers having conversations and debates as an example how Monzo is a customer/community led company, advertise the people first and the app last , have a YouTube channel show casing benefits , tutorials, commentary from staff and users. Would add some diversity!
Do you think this is the case? I think there’s been a marked change since the early pre-paid Mondo days and today.
Monzo has pretty much said that the customer/community have no bearing at all on their decisions.
Even a recent poll put out to the community was done so under false pretences and they had to admit so when the customer/community didn’t vote in favour of their preferred outcome that they subsequently implemented anyway.
I think that you’re correct in the sense that customers/community used to shape direction (overseas ATM fees, for example) but I think that’s much less so now.
Well I do think that is the case in most sense, it’s got to be the most exciting community to date in terms of passion etc, I regularly come on here as I’m passionate also about the fin tech culture and I’d assume that’s the case for a lot of people here, if it wasn’t for the customers and community I’d say Monzo would have a very tough time
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Customer of course.
Forum I’m not too sure
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I’m not sure that’s an accolade?! 
I personally think the issue is the “online” element and lack of branches. Today I had a member of staff ask me about my Monzo card, and told me they’d chosen Revolut over Monzo. They didn’t realise they were different products, as they also didn’t realise Monzo was a bank.
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There’s a lot to be said for this reasoning. In the organisation where I work, many people now have Monzo cards. I know none whom use it as a bank account …most don’t realise that it is. They use(d) it purely for overseas spending on holiday.
I’m not sure how Monzo overcomes this perception?
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I think gradually more people join because it’s a bank.
The amount of people who had heard of Monzo when it was a pre-paid card compared to now is a huge difference.
Also, most people are lazy! Switching accounts seems like a hassle and people deem it risky. I’ve only used the CASS once and I was very surprised at how simple and easy it was. So it’s easy to to have a second account with benefits and keep it for that.
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Yes, I agree with you on that point.
My point is that the perception of my colleagues who have it don’t understand it’s a current account. They use it as a “spending card” separate from their existing traditional bank account. I think perhaps because they’re not as well informed as many people here?
How does Monzo shift that perception?
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Shore up the missing fundamental banking things and be less stubborn:
- Post office deposits
- Easier intl payments
- Sep and iban support
All these things validate the account as being fully featured and no longer a prepaid card trying to get there.
Once done that they could some more promotions i suppose, the tv ads worked well to get the name out there but i suppose they could focus on things like the fscs protection, get paid early, dd change notifications etc this time around as things that a bank does that a prepaid doesnt
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Others have said it before, but Monzo need to offer more products and services that other banks offer - from cheque imaging to mortgages/credit cards etc. if they want more people to treat it as a proper bank account.
Monzo need to get away from the “use us as a spending account and use a legacy account for other things that we can’t be bothered to do” attitude if they want to be taken seriously.
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I’m not sure it’s down to laziness. I suspect that people generally change bank accounts either because of an issue with their current bank, or for a financial incentive from a rival bank.
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You’re all so hung up on Monzo being a “bank”.
Monzo only got a banking licence as a route to becoming the hub of all your finances. I don’t it particularly cares if people see it as a “bank” or not. It doesn’t want to be one, in the traditional sense.
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And you cannot be a bank in a non-traditional sense without being a bank
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To help you do that, our goal is to build a financial control centre, a single hub that you can use to manage your entire financial life. In order to give you access to the best products and services from across the market, we believe that hub should be a marketplace.
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I can’t remember the % but a high number of people don’t change gas/electric suppliers and just pay a lot more a month when you have zero hassle ways of switching. People are lazy!
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