It was a joke actually
And have you been rewarded for it? This golden ticket thing is a farce in my opinion. Basically getting us to be free sales people, whereas with curve every time one of my friends gets a curve card we both get 5 pound cash. It’s called an incentive, here there is no incentive just fancy Marketing and references to a chocolate factory
I’ll be switching to whichever one provides a proper online banking portal.
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Why do you feel you need to be rewarded for it? I don’t expect to receive anything when I tell my friends about something cool. When I show my friends a feature I like with my phone, “selling it”, I don’t expect something from the manufacturer. Monzo haven’t asked you to sell, have they?
Also free sales people? The golden ticket is to allow friends that you know that are interested/in the queue to jump the queue. Who said anything about selling to anyone? 
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I won’t join Starling bank, I hadn’t heard of it until after I joined Monzo, everything I’ve seen that all other fintech startups are offering doesn’t sway me away from this belief either.
Monzo I’ve been with for about 9 months now, I’ve seen it grow, and I’m excited to stick with it more so now than ever.
Monzo aren’t relying on off the shelf products either, they’re building their own stack, which is even more unique. In today’s day and age of banking, Monzo are the biggest disruptor to the old banking sector model.
And by disruptor I mean that in the most positive sense. They aren’t afraid of conforming to banking norms (unless regulatory of course) and we need a company to scare the ‘old’ banks!
“Make Banking Great Again” 
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You sound like a happy person…
I was intrigued by your comment that Nationwide offered fee free foreign purchases, but can’t find anything to say that’s true on their website. All their debit cards charge a 2% fee, and one of their credit cards has no fees but as you say, you have your own money.
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Yeah, this is a big deal for me. I really like that they’re building it from the ground up and the way they’re doing it is so trendy.
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I will be giving both a go. I like and agree with Monzo’s full stack development approach and hope that the incumbents will want to work with it as opposed to the commodity based software that they are comfortable with.
At this stage it is early adopters and therefore better to try a few and see which wins best of breed.
Komorebi
Try there Credit card…
To be honest I don’t mind why Tom left his last company, people disagree, it’s life. I’m not aware of any detrimental effect this will have on Monzo, if it affects me, I’ll review and decide then but I suspect that’ll be unlikely.
I too have Nationwide Credit Card, it’s free to use abroad, it’s handy but it’s an extra card, my Monzo card will replace this soon enough, as like Si I have my own money, it’s just a tool to get free overseas spending (and a bit of cash back).
I’m happy to promote Monzo, they’ve been fair to me thus far, and if I can give them the leg up more the better. If at a later stage they want to drop me a fiver, then good for them. I like the idea of Monzo, they seem a young and fresh company starting off, I’m happy to support that for free, why not.
Apple Pay is all I hear recently, if it’s so great, there are loads of banks already offering it. If its the most important thing about the account, then does it really mater who you bank with??
I’m a happy Monzo supporter at present like many others. Just waiting for the current account offering to see what it’ll offer, then I can make an informed decision from there, but I remain confident!
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Yes nationwide offer Apple Pay. But don’t offer real time banking so you can see my issue. As people have stated previously it was so much easier to tap your phone or watch them to get out your wallet undo The clip, go through your cards, though as previously pointed out it is so bright that should not pose much of a problem. Nevertheless this is time-consuming, people here especially crowd investors push for the use of the card, I wonder if this is because of transaction fees obtained via Chip and pin or contactless use .I imagine as with curve, Apple Pay would get a percentage if not all of the transaction fee, but most people would agree Apple Pay is much easier than getting a card out end of story. This is just my humble opinion
I Pay the balance off in full each month that’s utilising 56 days interest free cash, money makes money and I receive rewards on my purchases.
I will look at which of the fintechs offer the services i need, and mobile device payments should it be Android Pay or Apple pay is one of them, and i want the same experience on my oneplus 3t as on my iphone 6s plus…
Mobile is important but so is online banking portal.
Irish Malt, it sounds like you have an obsession with apple pay, which shouldnt be the reason to choose a bank, but one of the many reasons…
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Exactly, each to their own. I like cards not Apple/Android pay.
That’s the wonders of choice I guess. But people will just have to be patient, Apple Pay etc will come, but not till around the time of the current account.
If you want it now I guess you bank elsewhere (for now).
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To be honest, given the expected feature parity between Monzo and Starling in the beginning, Apple Pay will be a big differentiator. Same for android pay if you’re using google ecosystem intead.
A bit off topic, but what is the deal with Apple Pay? The only advantage I see is the possibility to pay using contactless for items over the £30 limit (if the terminal is correctly configured). I suspect most transactions during the average day are under £30. Using Apple Pay in this situation then actually slows you down - having to wake up your phone, select the wallet, then card, then use Touch ID - rather than just tapping your contactless card.
I assume the hype has come from America where it works like magic compared to using the mag strip/brass rubbing or whatever they are using over there.
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Can’t speak for Apple pay, but android pay lets you spend more than £30 (if the card machine accepts it). It also takes far less time to wag your phone at a terminal than to go through your wallet, plus you can stop off for things without needing your wallet at all.
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It is not normally a matter of if a card machine accepts it but if the retailer accepts it as many machines and their firmware (internal software) are capable of processing payments above £30 but unless the retail decides to accept them this is not enabled.
One big issue with Android Pay, Samsung Pay and the like is battery life. If you are a heavy user of your phone using email, apps, gps, satnav, browsing and games all day then your battery will not last long enough to ensure 24/7 banking. With a card it is available all the time…useful when your battery flat or recharging.
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Yeah I believe it depends of machine/merchant to allow more than £30 so Apple Pay 
would allow it in this case also 
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Withdrawing your wallet from your pocket and withdrawing your card is 2 movements
Withdrawing your phone from your pocket, waking your phone, selecting the e-wallet, selecting the virtual card, then using Touch ID etc is at least 5 steps.
Can’t see the claims that it is quicker bearing up to reality
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