Regarding top up via debit card this has been posted about before and Monzo have confirmed that this feature is returning sometime soon (November supposedly).
I agree with you that Android users do not currently have access to budgeting but this will be coming at some point in the future probably when everyone has migrated to the current account. Monzo haven’t ignored their users and have commented on how they are going to bring all features of the iOS over to Android in the future
PS: Android are really ignored with some features before iOS aren’t they?
Yeah. Really. Minus Android Pay.
Do you have to speak to CS for a PIN reminder?
Yes in-app chat for PIN reminder - they will ask security question and you will get PIN in a text message.
Yeah, I find I need a PIN reminder everyday. Making this seemless should be the number 1 priority.
Yes definitely, I am surprised Monzo missed this from their initial release. Even the gran-daddy of legacy banks Barclays has this in-app
I think I’m just getting at how lacking the android app is.
Sorry mate I’m being sarcastic. I have this lump of grey matter between my ears into which I place the PIN of my most used cards. The rest go in my password manager. When it comes to use the card I find accessing the grey matter causes my fingers to type it out on the PIN pad. No interaction with CS needed!
I just think it should have been a basic sort of thing because most Monzo compititors have baked this into their apps for sometime.
Agreed but the lack of it isn’t really a perambulator plaything ejection moment is it?
I have just successfully upgraded to the current account just today 
and I can deal with the work around for topping up for now, with the intention to swap over to 
as my main current account once more features are implemented.
Though my partner who has not been offered the current account as of yet, seems disinterested. I think its the fact she sees her 
as her credit card / cash rather than as current account at the moment. I think the feature she wants the most is top up through the app. Once this feature is implemented I think she will be happy to move over and she will use her as she currently does.
Though one day in the future when offers joint accounts I think we will use this as our main joint account as it will help us budget our monthly spend so much better than our old brick and mortar bank account has ever done.
Nope. But if I forget my Nationwide PIN I have to wait a number of days for a new one to arrive. So even chatting in intercom is an improvement. Not as good as using TouchID but still a major improvement over old banks.
That’s fair enough. I thought it was just android to be honest.
I think it is and will remain very necessary - an untalked about reason that enables people to easily use the card in the most common way - for day-to-day spending.
I don’t see this being the case for a large % people. While banks like Nationwide continue to offer 5% interest on their current accounts anyone with financial awareness will have the majority of their money held in a interest gaining easy access locations, and for most I would expect that their salary is already paid into this location (as they generally have minimum pay in requirements to get this %).
(looking at Bank Account Savings: Find out how to maximise your savings the same is true of TSB, Lloyds, Tesco, Santander CAs).
This isn’t something I overly mind Monzo not having, but to repeat, as these banks have conditions of minimum pay in then the easiest way is to have your salary move into them. Yes, I could transfer from Monzo and then back again, but if it is already up and working why would I switch? What do I gain by switching that I don’t get by just topping up to Monzo?
Worth a new line - moving from Monzo to legacy and back also messes up my Monzo tracking, so why would I do it? Much simpler to continue to just use Monzo for my day-to-day spending, and get all the Monzo benefits of this.
Monzo having the top-up feature made this completely hassle free - salary pay in was automated to legacy bank, took two seconds to topup to Monzo, without ever having to open legacy bank web/app interface.
I think the ‘top-up’ value amounts will now increase with the security of the CA, but I do not see it offering a reason to reorganise my current arrangement of accounts to maximise getting interest on everything I have (see the thread on Day to day card carry to indicate how many people have multiple accounts, assumption on my part for similar reasons).
I, and I expect others, will re-evaluate as new features come out to see if it is worth reorganising, but as I expect value to come from understanding my outgoing spending, not my salary pay in amounts, I don’t see myself switching to having my salary paid in any time soon.
Still super excited to see what is done with my day-to-day spending data though 
This whole post, and particularly the above conclusion, sums up my feelings completely. As soon as card (and especially Apple Pay) top ups come to the CA, I’ll upgrade.
To me it is also one of the downside that if I still keep money in different bank (until Monzo is fully grown and hopefully with web interface) I have to make another transfer etc. Topping up the prepaid card was so easy that I am not surprised about all those opinions
Why are you unsure about the CA over pre-paid card?
Re: top up feature:
What would have been nice is to have either the offer of an upgrade to a current account, or be able to continue with the prepaid card. As an iOS9 user I get neither. I really don’t want to give up on Monzo, but no one else is asking me to change my phone.
So when you say “there’s actually nothing stopping anyone using the “upgraded” Monzo in exactly the same way!” there is, and it’s Monzo.
Technically if you want to continue using it you can…just for a finate period of time until you are offered either an upgrade, or account closure.
Bit confused what you mean here?