How far along do you get before it says you can’t have an overdraft?
I go to my account, hit the overdraft item in the various options shown (after “refer a friend” in the list), and it shows that message there. There are no other steps, I don’t get to ask for a specific amount or anything.
If overdrafts / money was an issue then surely they would remove overdrafts.
Mine takes me to an eligibility survey, though not proceeded further.
I’ve had banks that do that and some that first refuse from the outset.
Previously when I had an HSBC, I would press the option for an overdraft and it wouldn’t even given an information, it would simply say we can’t offer you an overdraft right now.
I guess time will tell but I’ve been very happy with starling, yes they’re a bit vanilla, plain but it’s very easy to see what is happening. They have good notifications and UI/UX is clear.
If they were to close, which I don’t see happening, then I’d probably have to think about going back to Monzo. Unfortunately for me, I find Monzo too busy a UI/UX and too many customer service let downs.
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I don’t think the thread reflects reality, at least for me. Generally everyone I know with a fintech is using Starling, if were talking main bank account I don’t know anyone else who uses any other fintech than Starling, out of any fintech I see their cards most commonly in pubs, have 3 takeaways in the town that don’t take card have Starling business accounts you can transfer
Tried many a time to convince some friends to come over to Monzo, they aren’t bothered too. I have to say the Customer Service is a major bonus, some good CS would be much more valuable than some niche app features
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South East
Haven’t seen that many monzo cards, especially since they’re very eye catching. Genuinely see Starling a lot
I do think the users that Starling keeps are just have at the pace they move at. The app doesn’t leave much to be desired, stays consistent and is very simple, CS is reliable and just is generally a very nice package
Monzo definitely feels the most “move fast and break things” out of them all, I like that though
As a card watcher myself, I like to see what banks everyone uses. I’ve only ever seen 1 starling card out there, seen lots of monzo cards. I’ve also seen a lot of chase cards too to be fair.
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London?
I couldn’t even tell you which “card I see the most”, could’ve just been starling caught my eye a few times. Like @N26throwaway said completely anecdotal, my town is also majority older so that likely has something to do with it
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I haven’t seen many of either Monzo or Starling cards being used. Perhaps a couple of Starling and 2 or 3 Monzo. Halifax cards, on the other hand, I see everywhere, all the time.
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Few people I know stick with Starling, find monzo too complex.
Halifax a lot, surprisingly Santander a heck of a lot (I live in a Uni city and Chester is also a Uni city so possibly a good student account?).
Don’t see Monzo as much about. Have seen revolut a bit, along with Lloyds.
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Probably a bit of confirmation bias aswell, no surprise most of us see our “favourite” fintech the most
Never seen a chase in the wild, though I have to say they are killing it at the moment
Does anyone use Chase as their main account?
Can’t remember the answer, does Chase show upcoming inbound payments in the app? Or just debits?
Used Starling as my primary account for many years now and very happy.
I’m not sure what innovation others are looking for. I’ve found it super reliable and offers all the features I need with no charge. Particularly boring things like web access, iPad app, paying in money at the post office, cheque imaging…
I still use other accounts too. But Starling is where my pay goes first before it’s filtered everywhere else.
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Incoming too.
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Might be that we’re not seeing the cards in the wild as a high proportion of people are paying with a/gpay. I reckon that the people doing that would be proportionately higher for fintech than legacy banks too. I know I’ve not used cards in the UK since before COVID i.e. four years or more.
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