Anyone here sold their bonds yet?
Whats the process like? And how long did it take before the money appeared in your account?
Having waited over Xmas for my place in the queue to come round - the card looks like it has gone missing (I suspect it has been misdelivered, given the amount of post I get for other addresses) - one of the problems of not having a proper customer facing infrastructure is that you rely on people using an interface that only functions when youâve received and registered a card. If that doesnât happen, youâre stuck. See also verification. This happened with Revolut
I had to sell my bonds a couple of months ago, the process was really straightforward and the money appeared back in the âGrowâ balance almost immediately
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Do they get recycled or offered for sale again ?
The money will appear in your cash savings account straight away. There is no delay and it is very straightforward - you just need to click on the âsell bondsâ button.
Sorry to hear that your card has not reached you yet. Christmas is a tricky time for anything that relies on the post.
As for ânot having a proper customer facing infrastructureâ - do you mean branches? Customers tend to sign up to digital services to specifically avoid having to go into branches. Unfortunately we do then have to rely on others like the Post Office for the distribution - weâre not yet big enough to manage this ourselves. I am sure we can get this replaced for you and into the app quickly. I trust youâve raised this with the support team?
No, these particular bonds are then no longer available. Customers could, in theory, sell their bonds on the NEX exchange to others if they were interested, but in practice that is not necessary.
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Thats good to hear thanks rob.
Was personally worried about this as the last few times ive transferred money from grow to spend and also for external transfers this wasnât instant 
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Dozens has just - twice - declined my opening payment. Contacted them, and apparently it was my responsibility to contact my bank and query why. This is the first time in 6 Fintechs this has happened. Revolut, Bo, Monzo, N26, Starling, Monese have all proceeded without issues. Frankly, itâs too much of a faff to contact Santander to sort this out. That was the only option offered
They are right - if a payment doesnât go through, itâs the customers responsibility to ask the sending bank why (as they have visibility of the transaction) not the institution that failed to get the money.
The only odd thing I have noticed with Dozens and they have acknowledged this is currently the case - is that if you freeze your card, it also freezes the entire account (preventing payments in/out)
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Iâd have to have funds in it to freeze it
You can freeze a card/account even if it has no funds in itâŚ
Anyone actually use Dozens as a regular account and not just for the 5% bonds?
Well, I know a few 
The truth is that, although weâre growing fast, you are still taking about a 1yo business with 30,000 customers so not as easy to âbump into usâ.
Also, those who use Dozens more regularly are less likely to be active in this place 
Whatâs more likely is that some folks here might be interested in the things that are most different about Dozens, such as the fixed interest bonds and investments.
Do you use it yourself?
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I used to, and thought it was pretty OK, but then those contactless payment changes came in requiring pin after every x uses, so I switched to using Monzo via Apple Pay.
I thought that Dozens budgeting features were going to be a strong-point that Iâd miss, but actually there were issues with my simple use-case and Monzo ended up being much better.
I do hope Dozens continue to make improvements to the app and add features like Apple pay, and wish them every success.
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Ditto @anon44720334 - I could have written that myself. R-
Thatâs what I thought may be the case.
The app only current account market is very competitive, and as you say, Dozens is still a comparatively young company.
Although I have had a look around the app, and made a few purchases via Dozens, basically to see how it compares to other app based accounts, I am afraid I am guilty of currently only using it for the bond/investment features.
That said, I have accounts with most of the FinTechs, and I swap them around quite regularly ,and then weeding out those which I find have little to offer me.
Currently, although it is only for the bonds and investments, Dozens is staying 
Maybe in the future, as the business grows, I will be tempted to use it more.
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Thanks for that feedback and the support
That is not a problem at all for us. While our core mission is to create an account where anyone can manage their wider financial life (including spending and budgeting, as well as saving and investing) without being the target for credit products, if you are already in the habit of saving and investing, then we are also happy to offer you a place to do so for your longer term benefit.
There are many more products planned to help in this area which we hope will appeal to you, and with your support we can grow this to appeal to even more customers who have not yet learned those habits.
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Very grateful to dozens. Theyâve just given me ÂŁ100 as a âSaver Award Winnerâ. Very nice surprise!
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How many bonds issuances have there been in total?
SevenâŚ
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Are you hard searched to open an account, what are the chances of getting a bond at the end of this month? (edit just seen the post above)