Thanks for the help but I know how to do the search feature in help section, too. That’s how I found the 2nd Oct cut off date by surprise.
I think we are still at the stage where no matter how much we want Monzo to be everything, we aren’t there yet - I’d say it probably covered 90% of the population (a wild guess), but there are still 10% of people where it might not work all the time.
If you require monthly statements, and the other various checks regularly, I don’t think Monzo is the best bet at the moment (at least, not as your “main” bank).
I’d like an electric car, but the range isn’t quite there yet.
That’s the best analogy I can come up with 
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I agree. I am not expecting Monzo to fit all purposes but I really dislike the analogy that users who prefer certain old features ‘refuse to keep Monzo sustainable’ or get guilt tripped when we raise our opinion.
E.g. The top up function is especially helpful for those who are moving to the UK (from listed eligible countries) because they can transfer funds over without risking bringing large cash or extortionate cross-border transfer fees. Although TransferWise is getting integrated into Monzo, it’s still at beginning phase and limited topping up to only bank transfers within UK is gonna hinder Monzo from getting ‘fresh off the boat’ non UK citizen customers.
But isn’t this where specific services become necessary?
I don’t know any personally, but I’m sure I’ve seen people mention pre pay cards where you can do this - But again, I’m no expert on it.
The only reason this debate is happening is because of the forum - Any other bank (or business) would make a decision, and that would be that.
So whilst i appreciate your points, I think it’s better for everyone that Monzo doesn’t become the “Swiss army knife” of banking, at the detriment to the rest of the services they offer.
Once those immigrants have settled into this country, they can open a Monzo account incredibly easily.
No. I specifically said “a linked savings account”. I’ll grant I haven’t read the small print re: ongoing using, but certainly when I opened the bank account the terms and conditions were that certain conditions had to be met.
To focus on one: minimum monthly deposit.
Having salary paid in so everything goes in before bills, savings, Monzo transfer, etc goes out? I don’t have to worry about reaching the minimum.
Having my salary paid in to Monzo instead? Transferring just the money for the savings transfer over wouldn’t hit the minimum. What I would actually have to do is have my salary paid in to Monzo, transfer all of it (more or less) over to the legacy, and then transfer most of it back to Monzo! This is a pretty ridiculous procedure. Why create extra work for myself?
Not only that, it reverses the paradigm of money in Monzo = spending money in a way that is counter-intuitive and confusing. Having salary paid in to legacy and transferring spending to Monzo means I know that what’s in Monzo is always spending money (disregarding pots for this, but). Having salary paid in to Monzo? Every payment period I’d have to make myself ignore the headline sum, calculate what I should have as spending, and work out how much I’d have to transfer out to leave me with the right amount. It’s more work, and for no good reason.
What I will says is that as Monzo grows and evolves, then my position may change. If the glorious marketplace future comes about and I can get as good or better linked products through Monzo, I’ll get my salary paid in then, sure. But we’re not there yet. So for now, I’m sticking to legacy->Monzo way.
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I used to think this, but have found that setting an overall budget within spending makes it not a problem. I no longer look at the total on the home screen, and instead just look at the amount in left to spend on Spending, that way I know how I’m doing, and it doesn’t matter how much extra over that is in the account.
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