steady on Peter the âfanboysâ will be being accused of crushing dissent 
Hmm, I do hope not - especially given I was one of the earliest people to spread some dissent in this topic 
I can be accused of whatever but Iâm still going to try and have a reasonably civil discussion
Wishing for the world is great, and I wish I could have all the things I want in Monzo by tomorrow afternoon but Iâll have to be a bit more realistic I think 
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You have criticized both absence of comment and responsesâŠ
What sort of responses would you prefer to see from staff?
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totally agree - people have different needs , wants or requirements from a service, nobody is being forced to use Monzo, it will either suit them or it wonât , I want Monzo to be better - yes of course, am I willing to wait for that - at the moment yes, will I use everything that Monzo builds , probably not
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Product development is a massive challenge. Monzo takes feedback seriously, weâve seen that. But that doesnât mean roadmaps can go all over the place on a secondâs notice. Caring isnât necessarily delivering everything instantly, but rather seeing how things can fit in and doing what they can. Iâve never seen a bank as responsive as Monzo to feedback, but no, no one will be able to totally change their roadmap constantly. Development is a lengthy process.
It would be wrong to speculate on causes for Monzo, but do remember, Monzo are doing a lot more development work themselves than most challenger banks, and take this into account.
Unfortunately, one of the natures of any business - especially a startup - is that costs and usage patterns may prove to be very different from what one expected at the beginning. I get it - that can be disappointing, and for someone who was depending on something, could be a reason to leave. But a business also needs to be viable, so itâs a tough line.
I must say, if your account was frozen for asking politely about Apple Pay, Iâd find that extremely concerning. Not knowing both sides of the story, of course, Iâll not make any judgement on it - but was that the reason? (update, it has been clarified by @RichardR that a forum account was automatically moderated, and the Monzo account was never frozen)
As for an aggressive community, I think people can be passionate, but not aggressive. I, for one, sincerely apologise if I ever come across as aggressive. Banking would be such a silly thing to get aggressive over (not that anything justifies aggression). I agree that tone can be hard to read in typed form, and we all need to be careful to write in a way that is friendly and understanding even with people who completely disagree.
But, at the same time, why judge Monzo by their fanbase? Is that a standard you apply to Microsoft? Apple? Your favourite football club? All of those have far more toxic fanbases - and indeed, employees. At London Pride a few years ago, the employees marching on behalf of one large tech firm were behaving so obnoxiously and aggressively it put me off wanting to buy anything from them again! But then I realised, some carried-away employees partying a bit too obnoxiously is not the company!
Amex offers current accounts in the UK? I wasnât aware of this. I had an Amex current account-like prepaid card (think old Monzo) called Bluebird when I lived in the US. It was okay, but Iâd never trust any prepaid card with my salary.
Definitely!
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I am sorry that you feel that way but, to be honest, your response is just a lot lines without much substance. Again I am sorry for being brutally honest about how I feel.
I am quite surprised to see a huge response to my post and I can see a lot of people have a lot to say about the specific needs they have but my main gripe is that I feel Monzo have been releasing some features half-baked and premature like Direct Debits are just ugly and Pots are just very basic. Maybe Current Account should have stayed in testing/beta for another couple of months to iron out some basic stuff.
Monzo implemented few things recently like Selfie/video requirements for PIN and Statements which just go against of their cost-saving arguments in other threads and also itâs so cumbersome and seems overkill. I believe they could have done these security checks in some other way. Like by asking customers to enter PIN just as we do for payments etcâŠ
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That wouldnât work too well for PIN display. Asking customers to enter their PIN to see their PIN would result in a loop (if a customer knows their PIN, presumably they wonât want to see it).
I agree completely for statements, however.
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We donât know how much the PIN verification costs them? If Iâve missed that info being published Iâd love to see it 
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This. I had the same thought and Monzo staff implied itâs probably cheaper than I thought, but I also know theyâre not able to comment on it so letâs leave it at that, be thankful for how open Monzo has been, and not try to press for things they arenât at liberty to talk about
Not trying to shut anyone down, just wanting them to know Iâm thankful to have a bank thatâs open when they can be, and respect when they canât be.
The Monzo staff are getting a lot of digs in this thread. Totally unfair. I wonder if the frontline staff, engineers, product managers and CEOs on the Barclays community forums are more helpful? Oh wait, they donât have one and have no interest in talking to you.
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The product is still not really launched. Iâm not 100% sure what everybody expected 
Yes, the pre paid product has been around for a while, but the current account is not really even fully running yet⊠Until they get everybody migrated across, I assumed the features would remain the same as they had since launch.
Iâm definitely not going anywhere, I think you will all be pleasantly suprised watching the development and new features that arrive during 2018 
Show and steady wins the race and all that 
I can however, totally understand that some people may feel that Monzo isnât right for them at this current stage. And looking at this thread from a positive note, a lot of feedback has been raised here which gives :mondo: a good direction for 2018 
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I believe people criticise because they care. I care about this company and want them to be better than others. Criticism is not a dig. Monzo have put themselves here in this position quite deliberately and itâs one big difference between them and Barclays. I would say they should take so called digs in a positive way and work to resolve issues people have.
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As far as I can find, theyâve removed all references to it being in Beta, which does seem a little premature and possibly misleading.
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Really! I donât think Monzo say that officially. They have already offered CA to all Prepaid customers and are also offering to brand new users who have not used the Prepaid product. I was also surprised to know new customers are not getting monzo.me? This may have changed but seemed like Monzoâs offering from Prepaid was in decline.
I really hope so and really want Monzo to do well. I was one of the early adopters and will always have soft spot for Monzo.
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On the backend it still pays into your prepaid account and then does an adhoc transfer across to your current account. This will be changing in future but it is why new users canât use it right now. They have no prepaid account provisioned
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they have a forum but it is invite only, the firm is not as transparent but the users posts are calm and lack the animosity we see in some threads on this community, everyone is free to express their opinion.
the advantage of invite only is they get a more representative or balanced slice of customers, whereas a free for all community is not representative of a typical user.
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Hi! 
I was linked this post and investigated the claim for possible misconduct by support but found that this relates to a community forum account hold that was done automatically by our forum software, Discourse. These are not rules that we created but I do tweak them from the defaults over time to decrease the number of false positives.
New users will occasionally be caught by the spam filtering of Discourse. Along with the community team, we manually review all of these automated flags within a day and release anything that was held and not truly spam. Looking at the reason as to why your post was held, the content itself had no influence on it and we donât intend to outright censor anybody. 
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Iâve been messing about with Yolt and Emma this morning - Emma clearly isnât ready yet (not that it claims to be), doesnât 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 thereâs no instant notifications because itâs 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 Iâd be able to be confident that I knew what my money was or wasnât going to be used for. I donât 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 donât support it - I think Iâve got fintech fatigue - Iâm also hugely impatient now.
This fits perfectly with my previous argument that Monzo seems to be offering a halfbaked product. Why not just develop features properly and keep CA in beta until new users can have exact same experience as existing ones.
Same goes for Android issues, When an Android users sign up he might be looking to use targets as it has been well published and @hugo created this post below in July 2016 about a year and a half later Android app still lacks this basic functionality IMO
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I was exactly in the same frame of mind as you are now. I looked at Emma, Yolt and Cleo with my legacy bank account and realised that information from these apps is all that I need instant notifications are great but I can live without them because Monzo CA is not fully there. So switched from Monzo but hope Monzo will improve and I will be forced to come back using Monzo as my main account.