I was being facetious with the MVP comment, it gets thrown about so much.
I haven’t seen many complaints with their marketplace which is where this will sit. Granted they only have 3 or so integration, and I haven’t tried any of them as a couple (if not all) are mostly at London.
I’m not disagreeing that there is work to be done with Starling/Monzo, but no business can really wait until something is perfect.
First this/first that doesn’t really bother me, the proof is what is put in front of me, so will make an informed judgement once it’s available to use and provide constructive feedback.
I agree with you, but what they release does need to, at least, be functional. Either way, you’re not going to challenge legacy Banking apps if your app isn’t as good as old Bank apps.
Agree. It seems to be important to one challenger Bank. I’d rather a functional app with an account I can use to replace a legacy Bank. They’re not there yet.
They are focused on everything else other then what they should be.
Business accounts, market place (which lets be honest has nothing of any value in there currently for the vast majority of people).
The login section STILL isn’t right, nor has it been for months and they say they aren’t even looking at it until January.
Service is still pretty poor - IMO (and multiple examples on their forum).
The promised ‘access for all’ forum never materialised therefore regularly the only thing in there is tumbleweed - they don’t seem that interested in feedback.
Despite telling them months ago and more than once I still have a transaction for uroflori - which sounds like an infection… (is actually for ‘euroflorist’). It’s like that for multiple transactions - logos, maps and names are wrong - far more then what they are on monzo. I dont even bother reporting them anymore because its a waste of time and hit and miss if they do anything with them.
The pulse is inaccurate at times (here’s what you spent today might actually be here’s what you spent last week or today and yesterday etc).
Reports of direct debit issues.
I’ve been locked out of it several times because of the poor process for passwords, pins and touch id (even a password required for changing a logo ) yet also managed to complete other transactions with passwords it tells me are wrong.
Also on passwords I aren’t convinced by their security. When i was locked out the app told me i needed to receive a code sent to my phone. As i had a new number i tried to update it, but you need the password to do it so you shouldnt be able to change the number (because you dont know the password and thats why you’re locked out). And despite telling me the password was wrong (so it wouldn’t update) it sent the code to the new number anyway. I did let them know but again they didnt seem that interested.
I think they have been a little ahead of monzo in terms of functionality - especially apple pay, payments tab, goals are more thoughtfully implemented, the card section, statements etc. Overdraft fee structure is also better then monzo, its interest paying, and still free foreign transactions - at least for now.
But a lot of the time they leave you feeling just ‘meh’, which is a shame because they could be much better then they are.
Oh so the whole password thing is actually just security theatre… I don’t like their approach to security but if they’re gonna use a password the least they could do is check if the thing is actually right, which they don’t seem to be doing. That’s a huge vulnerability and they don’t seem to care. Horrifying.
No worries, I am calm - I always am. I just find such irresponsibility regarding security completely unacceptable; it’s almost worse than the legacy banks - here they let you use an actually secure password, make you believe it’s secure but don’t actually bother checking it, and worse, don’t care when it gets reported.
I haven’t seen anything said that was unfair to them.
They just need a bit focus on getting some basic stuff fixed, respond better to feedback, as well as make a bit more effort on their service and they’d be making some really good progress.
IMO people have been unfair to Starling and Monzo leaders and Monzo team kind of ignore that. There a lot of threads referring Starling as TCB came from a telegraph article, i know but seems bit immature when Monzo are also very small compare to major banks.
There was someone who was unfair and bit abusive about Monzo on Starling community few weeks and got banned. Just saying have some respect even if you don’t like what they are doing. Criticise but don’t humiliate and abuse the competition.
Monzo have so much staff half baked just as Starling but some people are following them like a cult and there is nothing wrong with that what I am trying to say keep it balanced
I’m equally critical of both - monzo is far from perfect too.
(only this week - tipping a bank, i mean come on )
But generally wont sugarcoat feedback for either one of them.
That said Monzo is way more interested in feedback and acting on it. This week i filled out a feedback thing monzo sent me. Not only did they reply the following day asking for further details, they also said they’d pass it onto relevant teams.
Compare that to ‘uroflori’ - which was reported four months ago (more than once) and is still sat in my feed on Starling.
Monzo choose same GPS and still have that for prepaid. I agree there are serious reliability issues but just as Monzo assured they will work to improve their system for in-house processor blip Starling assured it’s customers they are working to improve things with GPS. Obviously we will wait and see how things will work out in future.
Well again I can quote quite a few unhappy posts here about Monzo. Not everyone is happy all the time with either but there seems to be quite a few posts above people linking Starling
Security seems disastrous for a lot of Monzo customers as well as you well know I guess. A thread had to closed for further comments on the subject not long ago.
I’ve found that logo identification has been much better than Monzo. All my Direct Debits were coming out of Starling. They all had correct logos identified with them.
I decided to move one of them to Monzo (Bolton council tax). Monzo pays them correctly, but the logo is not showing the council logo like Starling did. Maybe all of the others would work but I can’t be bothered trying to move everything else over for now. With Starling I can also add pictures for people, or it can just pull them from my contacts. Monzo doesn’t.
Of course, but we all know legacy banks are older than we all care to know - It will take time perhaps two to three years but things will become much more interesting and we will all be able to make-up our mind who we want to choose. In form of N26 there will another competitor to watch and compare in too distant future.
My experience is the opposite. Not only are logos more frequently wrong, maps are almost always wrong if they are there at all, along with strange names. When a logo is there i often get them formatted wrong etc.
Hands down in 6 months i’ve used Starling there’s been more wrong with logos, maps & names then the entire 18+ months with Monzo.
No doubt in part due to the inability to quickly & easily report them.
) yet also managed to complete other transactions with passwords it tells me are wrong.
)
