Hi Richard, very glad to hear that was the case! Thanks for providing us all this update to clarify the situation, it makes a lot of sense now 
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I also switched from Monzo. Except I am using Starlingâs integration with Yolt as well as my backup legacy bank and my credit card. This gives me a full view of my finances as well as instant notifications.
I hope Monzo gets the API up and running quite soon in 2018 so I can move back.
I think the CA should have been rolled out after Christmas to allow for features to be polished and to reduce the perceived downtime over the holidays.
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Björn Ulvaeus a hipster?
Who knew? 
Also thinking - with the Bulb thing. ING/Yolt may have plans for ads or selling services⊠But they arenât my bank.Yes, theyâre reading my full transaction list - but if I get annoyed I can move in minutes back to the native app or another aggregator with no hassle, any repercussions or work on my part.
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Interesting to see Monzo favouriting tweets from people who thought theyâd signed up for a travel card.
With the 3% fee over ÂŁ200 per month on foreign cash withdrawals, that customers stupidly voted for, I canât help but think that a lot of Monzo Travel Card holders will find themselves disappointed.
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Ultimately it depends what you value most from your account.
I moved away from Barclays a few years ago after many years with them. Their in-branch service was (and still is) appallingly slow. They refused to refund me when I got tricked at a cashpoint once, saying the fact that someone had seen my pin meant I was grossly negligent (despite this happening once in around 20 years and their slow telephone system delaying my freezing of the account). They also kept bombarding me with loan and overdraft offers I wasnât interested in.
I value the largely automated budgeting tools Monzo gives me more than a couple of hundred quid a year I could make elsewhere or by putting everything on my Amex. Personally Iâm not fussed about Apple Pay, Iâd rather take a worthless bit of plastic out when I pay rather than flash an expensive phone around needlessly.
It is interesting to see the wide variety of different things that different people prioritise from their accounts though. If it doesnât work for you now then I can understand why you might use another bank. Personally though I expect the front facing stuff to improve markedly later this year after the account migration completes, so can see many switching back later in the year once the feature set matches and then pulls further away from legacy banks.
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Really?
I take your point about the tweet, and, as it happens, I think that Monzo still works reasonably well as a travel card although there are better options now.
Calling fellow forum members stupid is rather odd, though. People will have voted the way they did for various reasons, but calling them stupid for doing so is utterly pointless and insulting.
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I didnât call anyone stupid. The option that many voted for was stupid. Many prepaid card holders, totally new to the community, came in and voted.
The majority went for an option that wasnât even the preferred option of Monzo themselves.
The vote was stupid; not the customers.
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Unfortunately Android users donât have this yet. Hope to see these things soon and then I am sure I will re-think again.
I like the model of continuous delivery - as for why Monzo do it - they seem to follow an agile development model which matches with this approach very well
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I appreciate that you donât like the option people chose, but could you have expressed it without being derogatory and putting down other peoples opinion? Ultimately I didnât want Brexit either but both of these things were decided democratically and I wonât argue against the fairness of it
For full disclosure, I like the option that won. For my usage scenario nothing will change with the introduction of fees
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As my usage scenario is âleave Monzo card in my drawerâ, nothing will change for me either 
Iâm not going to touch brexit, but I donât think companies making difficult strategic decisions by outsourcing them to a public poll is a great idea. This, far more than the actual fee structure decided on, was probably the first thing that pushed me away from Monzo. To me, it came across as Monzo being more interested in showing how open and different they were than in making a hard choice.
I notice that for debit card top-up fees they asked for comments but havenât made it a vote - hopefully theyâve learned their lesson 
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Sounds very much like Brexit 
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I do wish people would stop thinking they know what Iâm thinking. (For the record, I care not about the result of that poll as it does not affect me.)
Iâm not putting down anyoneâs opinion. I have already clarified this but still you persist?
Monzo offered three options. The one chosen was not their preferred option. The option chosen seems not to be the option best suited to customers, either. Itâs all a bit silly. It has been discussed previously in the community. Nobody wins from the outcome.
The vote was stupid. I am not being derogatory to anyone and this does seem to be a concerted effort to blow out of all proportion, and context, my use of one word. Itâs derailing the topic and that is not my intent.
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I think this was a great way for Monzo to address the problem. I preferred to have had the choice rather than Monzo trying to decide what it thought itâs customers might want. If Monzo were left to decide they would have chosen something the majority of people didnât want.
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I contacted Yolt recently about Monzo. They said they are all ready to go, just awaiting Monzo to press the GO buttonâŠ
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But surely Monzo employees are bright enough people, with enough experience in financial services, to make the decisions for us; surely thatâs what you want from a bank? Itâs the same thing you want from a government. You vote for a party that you feel represents you and your beliefs, then place trust in their expertise to make the right decisions for you, in things you have no idea about.
Surely they need to price in order to reach certain liquidity thresholds, appease investors etc., rather than âletting the people decideâ?
What are the criteria for when weâre asked our opinions and when weâre not? Iâd feel more comfortable and reassured if it was for UX/design related questions, rather than fundamental banking/pricing principles.
Iâm all for openness and transparency, but there are some things we shouldnât be deciding.
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For me one of the biggest concerns is the lack of security on the Android app. You can open it, view my balance, transactions, etc. without even needing a PIN. I know theyâre working on fingerprint security, which is still 3-6 months away, but why not add the card PIN or similar to give at least a hint of security in the mean time!
You canât actively do anything within the app without using the PIN though.
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but It wasnât a complicated decision that required a government or a group of financial experts to decide. It was asking people what charging method they preferred.
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