Then the delays are elsewhere in Monzo’s processes/systems
The cheque imaging system itself clears the cheques the next working day.
5 Likes
It’s a pretty good system in my opinion and it’s not all that often but I do receive a few cheques a year from family or refunds from places so it’s useful to have.
Another quiver in starlings bow that in my opinion means it is now far and away more useful to the average consumer than Monzo now and it can be used as your sole bank account.
Web banking, cheque imaging, post office deposits, free round up X2,5 etc, free cash withdrawals abroad , connected card
I think this is the tipping point for me to start my switch to starling - Starling seem to be targeting the average consumer who still uses cash and gets cheques occasionally (even if once a year). Monzo seem to be burying there head in the sand and targeting the digital age.
Be interesting who will win out but my money wouldn’t be on Monzo.
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I have both and will keep both. Always like to have a backup card especially abroad. [if I ever go away again] R-
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We were discussing this yesterday morning. Where were you? 
Morning! 
I think if they allow Pay Bills from Spaces feature, then it may cause a few avid Monzo users to consider the move.
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Starling give the impression that they are a bank that’s into tech, Monzo seem to be a tech company that’s into banking.
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I find the web based login process annoying. Account number is not something most people remember (so you need to look for it somewhere), and the dependency on the phone means you can’t rely on a password manager to login. To me this makes the whole thing pretty much useless - if I have to take my phone out I may as well just do everything on the phone directly.
You can ask for your a/c number to be remembered. R-
I think these are things that are helpful and I probably place too much “loyalty” on my data that I have with Monzo to actually switch, but I’m not sure why as a fresh newbie to either, you’d pick Monzo over Starling at the moment.
Billl pots is the probably the only thing and something I wouldn’t move without, but I don’t think, based on current development schedules, it will be too long before Starling have their version of this too.
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Wouldn’t work if you clear cookies regularly or disable cookies to begin with.
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True. Plus it seems to have to use your phone to approve login via the phone app. R-
My experience also, started my switch from Monzo to Starling last week and it completed today. Monzo are doubling down on the Monzo faithful with Plus but alienated me in the process by making ads for Plus too intrusive. Unless you get Plus you’re not getting the best of Monzo, whilst Starling are adding features for everyone and making their profit elsewhere. This seems like a much more sustainable approach, there’s only a limited number of people who are going to pay a fiver a month for a current account.
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Try accessing Starling Online Banking if you lose your phone!
Update:
The answer is to contact Starling via phone. You can then go through security questions and conduct any banking business you need while awaiting a replacement device.
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Sorry…
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Very slick login experience and interface - good work starling
Not very accessible to people with disabilities.
You can tell your password manager to remember these two fields and auto fill them. It’s really not that much of an issue and 2FA doesn’t make me feel like it’s useless.
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They also have webchat so I think they’re just about fine.
For people with accessibility issues there are solutions that already exist separately to Starling to assist them.
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It’s fine as is but the single biggest thing they could do to improve it is have some kind of mode to login if you lose your phone, via an alternative route or extra verification if needed.
I wouldn’t mind, personally, is this was just an “emergency mode” where you can freeze your card, but it is something they should add.
1 Like