Yet another feature in the long list of features where Starling trumps Monzo!
So my first cheque to pay into my Monzo account since leaving Starling. Do I really have to send it by post? Starling’s process was to simply take a photo of each side then submit online. The cheque cleared in 24-48 hours.
Sending by post!? How archaic!
How can anyone prefer Monzo? Such simple features non-existent, a clunkier app, much worse customer support! Starling is miles ahead, I had my reasons, but I’m starting to regret leaving!!
Splitting payments with other monzo users is a dream. Starling doesn’t handle this well at all. You can split. But involves sending an SMS to someone who taps the link and pays how they deem fit by browser or by app if a Starling user.
Monzo just sends a notification to the other users app and can just tap approve to pay, and it’ll split it against the actual transaction involved, and tag the inbound the same category.
Pots and overall balances on the home page is another win.
card is beaut (you missed the summer promo to obtain one).
Paid Early allows you to take your salary/benefits 4pm the working day before you’re due to be paid.
The splitting I imagine would be handy if the whole group had Monzo, but for most surely a rarity where everyone in a friendship group has Monzo.
The pots & overall balances imo isn’t as good as starling’s savings goals, I can’t get over the fact I get charged if my main balance goes overdrawn even though I have enough in another pot to cover the shortfall. I do however appreciate pots/savings goals are purely down to individual preferences.
Whilst I’m not interested in the different cards, I admit it’s cool to have different ones. Apart from the promotional card/s, I’m not sure about tiered levels at my expense.
Paid early I admit is a nice feature, although not one I’d really miss if I left.
I’m just a little shocked how different the banking apps are considering the guy who started Monzo is ex-Starling. I assumed both companies would be copying each others ideas/features constantly. I genuinely believed everything would be pretty much the same with just a different style & interface. More fool me for not properly researching the differences
I think with something like check imaging though, most probably see it as a standard basic feature given the amount of banks who do offer, so don’t expect it’s inclusion, or lack there-of, to be part of a bank’s USP.
It’s definitely not something I’d think to check if I wasn’t such a nerd for this stuff. It’s a fair assumption. But yes there is a lesson here. Monzo aren’t the only bank which lack this feature, and a good chunk of banks are missing features a lot of folks might consider should be part of every basic offering, so it is worth checking for the mundane things if you’re going to step outside the world of the high street banks. Something you rely on might be missing.
I get your point as soon as something is unique, it sets them apart, however my gripe is about certain features someone would expect as standard from a modern banking app.
I believe the cheque image processing has been a request for some time, and another example, the option to allow friends to settle a debt using Apple Pay was requested a long time ago. These aren’t that niche, just simple techy features you’d expect a banking app to have to at least set them apart from the big banks