When I signed up to Starling a year ago I thought customer service was excellent. I think I am asking more difficult questions these days though, and they can’t even give me a clear answer about one of the conditions for a business account that should be quite straight forward.
The specific issue is that they say for the business that “the Company is incorporated, registered and has its center of main interest in the United Kingdom” (yes that is their spelling of “center” from their website).
I asked if this means my activity carrying out the work has to be mainly in the UK, or if the income has to be mainly from UK business and individuals. I have a feeling them mean the latter, but after a week they still can’t give me an answer despite being prompted a few times.
They also haven’t got back to me on my question about why my debit card records transactions on the card and these are accessible with a card reader app on a mobile phone.
Now to be balanced, I haven’t had to use Monzo support very often, but when I have it has been good although only on simple issues.
But this is about “heart versus head”, and while it used to be head saying Starling (for business at least), and heart with Monzo, it’s now becoming both for Monzo in the hope they can offer something to sole traders soon, and without any restriction on who provides my income in terms of their geography. In this day and age I should be able to work internationally (within established trade rules of course) and not worry if my bank is interested in whether my business income is from the UK or otherwise.