Right, but there are some things that probably should have been a hard requirement for launch, being able to pay in cash would be one of those in my view. I did see 
the other threads about not being able to pay cash 
in, it didnāt really bother me at the time thinking it would get sorted but as christmas came and went and I suddenly found myself in need of paying cash, it quickly became apparent that not being able to do so is actually a rather big hole in the offering.
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It feels like it may have been an accidental misjudgement to launch the CA just before December, as it was launched, there was a bunch of energy into making it smooth, migrating, all the back end important and complex tasks, and then as people will have taken time off (which they should) over Christmas. So from a user facing perspective a big gap of nothing (especially if pots were not high on your list).
I was anticipating, and was ok with, the seeming downtime over December (I know people were still working hard!) and anticipate a higher pace from this week on, but for us customers the holiday time was more time not distracted by our own work to wonder why the things we wish for arenāt ready - even though thatās not really fair to Monzo!
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Well, as some positive feedback, Iām loving Monzo and think itās brilliant. Sure, are there some bugs? Yes, but what product is bug-free? My legacy bank accounts sure arenāt!
I think listening to and working on feedback is great, but Iād also say donāt let it get you down - the product is fantastic!
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I think thereās some truth to this 
For me personally, Iām massively excited about what I know we as a company can deliver this quarter. Iām continually amazed by our team and the things we build! So it really depends on how you frame the situation. Iām a glass-half-full kinda guy though 
That said, we definitely arenāt flippant or dismissive of the people who let us know that the product isnāt right for them right now. We are definitely listening and taking everything on board
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I feel like a lot of these issues are due to Monzo launching one product to build hype (and get feedback), before then having to build another product entirely. It definitely helped build hype and gain a jump on competitors who waited until they had a CA to launch, but whether that is offset by the frustration people are feeling now remains to be seen.
Do Monzo still say theyāre in beta? The CA cards donāt and any mention of it seems to be gone from the home page and the play store listing.
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If the CA that ātheyā (competitors) launched worked perfectly without any faults I would agree with you entirely , but it doesnt 
amended to say the competitors CA
Can you name a current account that works perfectly and has no faults? I sure canāt (and I have plenty of them 
). I definitely think thereās a lot of room to improve and grow, for sure. But itās a solid basic banking product with some really nice features, a great support team behind it and a future vision I believe in!
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Fair, itās far from perfect, but Iām not making a judgement on the relative quality here, simply the strategy. Monzo users see a product that has been stagnant for months (because of the backend work to build a new product), Starling users see theirs accelerating forward. It remains to be seen which strategy ends up being better for user acquisition and retention, but as far as the grumbling here goes, it explains a lot of it.
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I think this is the downside of living in the time of the MVP - it means you get the first iteration faster, but it is just that, a first iteration, with lots of room to build on, based on feedback from people like us.
I do wonder if the risk of too slim a slice for an MVP of core functionality that is known to be wanted is not the best path, as it guarantees some disappointment without the slimness being offset by learning, and that only ānewerā features should be shipped as MVPs.
I think we can all just hope for acceleration in January, when all staff are back, and possibly more hired writing user facing code.
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but then when the next offering comes everybody will want more offerings - and then its not quite what I want so its a ādeal breakerā never to use Monzo again as it doesnt do exactly what I want it to and the iterations arenāt coming fast enough for my liking ā¦etc etc etc
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Does the Co-op still not support Android Pay?
Which Co-op? The East of England Co-op supermarkets do
Sorry I was referring to the Co-op bank.
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I think they support Samsung Pay though
Wow! Itās sister bank Smile supports Android Pay from September 17. Hmmmm whatās this then? http://www.co-operativebank.co.uk/mobile/support/android-pay?int_cmp=_srchomepagepod3_prdandroidpay_grpsep
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I am so sorry 
. Iāve been feeling really bad that Iāve been too harsh in this thread but I stand by the things Iāve written and think theyāre sort-of-reasonable
That said, I want to give you some positive feedback too (last time was when I congratulated you in the support chat for getting 20k CA users after you helped me out! How far things have come already!). I do love Monzo a lot and Iām still trying to encourage people to join up (recently referred by brother and he seems to be liking trying out the CA)
As a developer myself I do empathise with how any modern system is generally a bit like an iceberg. The bit that people can see above the water is only the smallest of parts
Keep up the great work and Iām excited to be a part of Monzo in 2018 
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Oh! 
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Really, no need to apologise Peter! We appreciate everything that is said here and all opinions on the state of play, I really just wanted to re-assure everyone that we are all cracking on to get some amazing stuff shipped for 2018. A lot of people started back today after the holiday so the timing of the thread is just a little funny in that sense, weāre all eager to crack on and address all concerns 
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To be honest most of my āissuesā have been raised but might as well add mine -
1 - Pots donāt really offer an alternative for me as they donāt pay any interest. My legacy bank may only pay 0.25% instant access but thatās 0.25% more than Monzo. Also with my legacy bank I have access to a regular saver at 5%.
2 - I end to pay for everything by credit card to earn reward points so the budgeting part of Monzo doesnāt really grab me.
3 - Its irritating how the payment references donāt get saved within the app.
4 - I do really need the option to pay in cash. I canāt get rid of my legacy account with the cash āissueā.
5 - Bank Statements - I need the option to get them one day in case I want to apply for a mortgage or something?
However there are positives!
1 - Monzo saves me fees wise whilst abroad.
2 - The C/S is pretty good and I generally donāt mind waiting.
3- The notifications helped me spot some fraud the other day.
4 - I donāt really care about Apple Payā¦
Phew Well thatās all off my chest.
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lol so the only reason you use Monzo is for free FX and anti fraud whenever you do spend on Monzo -presumably when youāre abroad ??? because you pay for everything else on CC in UK to earn your rewards and keep all your other funds elsewhere for the interest rates, but you would like to have the facility to pay in cash so you can presumably transfer it into your interest bearing legacy accounts rather than visiting your interest bearing legacy branch with your cash ???
lol but its nice to have a hot coral card in your wallet - not that you ever use it in UK, but you might need statements for your mortgage showing that you use Monzo on Holiday but keep all your money in a legacy bank (legacy bank and CC statements provided by your bank )
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