I’ve been messing about with Yolt and Emma this morning - Emma clearly isn’t ready yet (not that it claims to be), doesn’t support my Nationwide credit card. I previously held off because I was paranoid about giving my online banking details to third parties.
But Yolt is pretty good. Obviously there’s no instant notifications because it’s just logging on to your accounts and refreshing them periodically. But everything else is there other than maps.
The reason I switched from Co-op was because of their terrible app and website. I can now really see myself re-opening a Co-op account and using it with Yolt - and having that as my main account.
The Bulb thing has been in the back of my mind for a while (although, I imagine Yolt/ING have plans) - as has future direction. If I went back, at least I’d be able to be confident that I knew what my money was or wasn’t going to be used for. I don’t see that many drawbacks, plus Samsung Pay support and an overdraft.
I might actually go back, for the time being. Not going to close my Monzo account, but might take a step back for a while and see how it goes.
Also thinking of closing my Tandem credit card account as obviously Yolt don’t support it - I think I’ve got fintech fatigue - I’m also hugely impatient now.