Five months down (give or take a week) and I thought it’d be interesting to see how these are matching reality.
First up were our wants/wishes.
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Top billing was direct pot to pot transfers. Despite some hints, and this being in the US product, it’s not quite made it to the UK yet. Soon?
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Second was a modern, responsive HTML web interface. No signs of that on the horizon, and my tea leaves are giving no indication it’s on the way. Sadness.
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In the last position on the podium was automatic get paid early in the UK. Another US win but again no signs in the UK.
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Credit card pots are still sadly not a thing on the UK. But the US romps ahead again. We’re gonna need an intervention (or a reverse tea party) at this rate.
Is it just me, or is the US team doing an excellent job rethinking some of the fundamentals and challenging some of the Monzo myths? Come on UK, get with the program(me)!
- This is better! Number 5 was a native Monzo savings account. Although it was oddly hobbled (you can’t schedule withdrawals, you can only have one - plus an emergency pot, and you can’t have your own pot image), the rate was good (although a little bit more would get it into the best buys!) and it’s gone up on the same day as the Bank of England have increased interest rates. Which is just amazing.
And the best of the rest of the top 10: no sending money on triggers , no single use virtual cards , no net worth tracker , no child accounts 
, but we have an automatic salary sorter… in the US obvs . (I mean I’d consider emigrating if I didn’t know how bad the rest of the US banking system was).
Now, those were meant to be the Monzo platform wishes, but some country specific stuff crept in 
. The UK specific wants haven’t turn out that well at all… yet:
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A refreshed Plus/Premium offer.
. Although Monzo has been recruiting for roles and top spy @davidwalton has uncovered a staff metal plan. Maybe it’s a new test thing? Or maybe it’s just because reasons. -
Higher interest on Plus/Premium.
. Nope. Although we did we general confusion about how the new savings pot and the Plus/Premium interest interacted. Tl;Dr - you can double dip. It was a painful lesson in communication though. Words, eh? -
DDs and SOs directly from a lot.
. Make your own family fortunes noise here. It’s still the current account bounce. Which some folk like. And avoids the inevitable “overdraft from pots?” question. Obviously, there’d be riots if you couldn’t dip into your overdraft from a bills pot. -
Cheque imaging.
apparently! We’re waiting on @fernandofanton’s promise for someone to come and tell us all! -
Number five was paying for Plus/Premium from a pot.
All we’re asking for is a pot to pay from. But no. Sadness. -
Honourable mention for sixth place: paying in cash at the Post Office. Another one of @fernandofanton’s promises! (Just don’t ask him about joint accounts and he’s quite chatty).
Feels a bit like we’re getting through stuff! None of this was ever guaranteed and these polls are a bit of fun, but it’s nice to see some new stuff coming through in the US!
Let’s check back in later in the year and see how our predictions and wishes are faring! 