Monzo needs to offer a different card design. As people have already pointed out, the current design is a bit childish and won’t appeal to a wide range of people, especially men over a certain age. Starling’s card design is a lot more classy and mature, less embarrassing to get out in a restaurant! Saying that though, I’ve been with Monzo since the beginning and though I have taken a keen interest in the other fintech startups like Starling and Fidor, I’m happy with Monzo and its openness.