I have been lucky, gaining a Golden Ticket from a kind person on here yesterday and today a Starling pass from a lovely guy who sent me one within 3 minutes of my request. I hadn’t heard of either Monzo or Starling prior to yesterday
I opened a Monzo account yesterday and a Starling a/c today. One major thing that led me to open a Starling a/c - it’s currently a full current account and they have your name on the bank debit card. This is a must in my opinion. I learnt the Monzo card would be ‘nameless’ after I’d applied, through reading more on this forum.
I joined First Direct many moons ago and so far they have remained the best bank ever. I also run 2 other major bank current account (all legacy banks) alongside having their credit cards etc. I’ve also banked on my iPhone since pussy was a kitten and started using internet banking since back when people were wary of it. I like to embrace new technology, that’s why I joined both these ‘new’ banks.
I’m still waiting for my Monzo card and other than opening the account being seamless and very speedy, I can’t say much about it - other than I want my name on my card as soon as possible please!
Starling, I’ve had a great experience so far. Application via the app took me no more than 5 minutes. I was verified almost immediately and offered a 2.5k overdraft. I moved,the slider down as didn’t want one that big! But its nice to see them rewarding me for my excellent credit rating. That fact alone gets my vote from the get go. Don’t have to ‘apply’ it was offered and I could take it, decline it or reduce it via a slider to a figure I was happy with. I have a large OD facility with FD if I want to use my OD. It glad they offered me too though.
I like the fact I am told and received an alert that my card is on its way …and when it should be delivered by. I was very pleased to choose my own pin rather than having to go to an ATM after its arrival to change it.
Adding my initial deposit to the account was instantaneous and I would happily recommend this bank to anyone. I do wonder how long Monzo will take to go to a full current account, as at the moment it’s just. pre-paid MasterCard that I need to load money onto and doesn’t even have my name on it. Who knows, when I start using it, when it arrives, maybe it will win me over. I love the colour and design of the Monzo card but not having my name on it doesn’t seem very good to me at all! I doubt I’ll use it in public, will look weird without a name on no? Maybe use it at self-service tills in Tesco lol
I like Starling. I used their switch service today too … I’ve had a Santander account for the last year but since increasing the monthly fee and reducing the credit interest, I no longer wanted it, so used opening Starling as a good excuse to dump it. I’d never leave FD, I hope Starling wow me continually as FD always have done. Another excellent feature of the switching service was I could do a full switch and close the account (option I chose, Santander are pants) or select which DD’s I wanted to transfer, leaving the legacy bank a/c open.
I really like Starling!