Any clues to what this work is? 
Just a general revision of the chip profile to improve compatibility, security, and satisfy new requirements. Weāre adding a new card manufacturer to our pool and that requires a round of certification of the new cards so weāre taking the opportunity to update the chip settings too.
Sorry itās not too exciting. 
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Iād count that as exciting!
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This sounds exciting!
Not when the chip profile is generated in an Excel spreadsheet
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They also donāt require full access to your contacts for features to work properly.
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Shared tabs and opening a joint account are the first two that spring to mind.
Basically, Monzo seems to have full contact access built in. Less than desirable for the consumer, in my opinion.
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Starling have launched integration with Onedox
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Wow i thought onedox was on the outā¦ guess not.
Really like the idea lets see how it goes, could be a real coup here for Starling and Monzo seems to be playing serious catchup now.
Main question will be what is harder to catchup onā¦ tech (Monzo) or customer numbers (Starling)?
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It doesnāt give you much info in the Starling app, but it does let you launch the onedox app directly!
Now that is a good question, but I think on balance I would prefer more customers as there are not many suggestions (certainly not from me) that Monzo do not have the expertise to match in the cases they want to
Interesting move by Starling. No surprise that bill switching is big part of Monzoās market place value prop. Do you think Monzo will integrate with the likes of Onedox to provide this, or will they build they own bill switching capability?
Iām happy to say that after a year of starling as my main account, I have switched to Monzo. I like starling, but saying Iād be banned for a year from starling if I switched was ultimately what made me leave. Iām not a fan of being held to ransom by my bank.
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Not exactly held to ransom, you left
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Good news is that Monzo have built their contact access with privacy in mind, so your data isnāt exposed (even to Monzo). 
Iām not sure why you keep complaining about the contacts access, and not acknowledging itās done in a way that is secure and doesnāt expose the personās data? Itās not like this hasnāt come up before when youāve raised the issue (click the 
to see the full quote). 
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Iām personally less keen on it because it shouldnāt be a requirement to enable contact access for something like monzo.me, which is just a web link.
I also donāt want/need all my random contacts showing up in Monzo, mostly its stuff like āDave the Electricianā or āthat guy I worked with for 3 days a year agoā.
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Itās not true that it doesnāt expose some data about you.
It tells people with your number and an account that you have a Monzo account and lets you find out if any of your contacts (or in fact anyone whose phone number you have obtained) has an account.
Thatās not terrible, but the fact itās really unnecessary makes it problematic.
Previous discussions have not convinced me in particular that full contacts access is necessary.
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This is the most bizarre piece of logic 
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If thereās a reason for leaving then fine. But it says that was what ultimately made him leave. Itās like Inception 
Seriously, you can use any bank you like, you can leave accounts dormant, you can switchā¦ plenty of options. A policy of having a 12-month waiting period before you can open an account after closing one seems sensible. Why would anyone want to close, open, close, open, etc. accounts with the same bank? It costs nothing to leave it dormant. If you donāt want to leave it dormant and definitely want it closed, then what harm does it do you to have the 12-month policy in place? Odd 
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