UX and Nomenclature Suggestions

Been poking around the app and noticed some nomenclature and UX stuff worth looking into. Aware a lot of this is beta/holdover from the UK app being used as a framework - but figured worth highlighting

  1. “Use another card to top up quickly in-app” - top-up is pretty British. Not instantly understandable

  2. I get the concept of home being all your transactions but might be better to call it something else. Home feels like it would be more like the stuff on the Account tab. Maybe “Transactions”?

  3. Would be curious to see what interactions are most used by beta users when the come into the app and how that’s get surfaced for customers.

  4. Chat being one chat thread is cool but also can and will be cumbersome once I have a long history or use it a lot. Is there future feature backlog for a more Messaging v Chat UI?

  5. Language under Payment Limits not instantly clear. Again partly nomenclature e.g. “Monthly top up by card limit”

  6. Definitely looking forward to iterations when it comes to color, font, IA etc. on the Home page to create more distinction between they summary up in the top bar, then payouts v incomings


I wonder about this one. I could see it being a brand thing almost – and maybe that’s good? If you differentiate what you call things from other companies, maybe that’s a good way to differentiate?

I think the idea that Monzo is reloadable instantly via card is a pretty novel idea. In order to get money into all of my other banks, it’s been via ACH. In a weird way, I think it could be different enough that people might like it.

If anything, I think this would warrant some testing or more feedback. Maybe I just wish I live in the UK.


Hey Ari, cheers for the feedback!

You’re right in that “top-up” is simply passed through from the UK app. What do you think would make more sense from a US perspective? e.g. reload?


Thanks for this, Ari :wave:

We’re definitely expected to make a few rounds of iteration on the language we use. Expect us to tone down the Britishisms over time.

In the UK, our app is in the process of getting reorganized a bit, and we’ll move to the new layout for US accounts soon. In that structure there’s a lot more under Home than just transactions. Watch this space!


Reload, Re-Fill, Add Funds/Money/Cash

Definitely not top-up.

Pot should be bucket or jar. Standing-Order is not a term known to Americans. Auto-Pay might me more familiar.

Direct Debit is not used, this is usually also branded auto-pay.

Direct Deposit is used for salaries / wages.

Chip&PIN is not used, but “PIN Debit”

“Credit Debit” would be signature debit used over the MasterCard Credit Card network.

Checking Account is what one would call a Current Account.

Banker would be Teller.

Pay-In would be deposit.

Till would be checkout.

Contactless would be Tap-To-Pay

I will add more as they come to me


Looks like the community is jumping in already so there you go :slight_smile:

Curious, if top-up is not a common expression in the US can its meaning not easily be inferred?

Must be lots of minor language differences to iron out. I would never have used reload in a financial sense, to me reload would suggest reloading software, a van prehaps or even a gun.

Presumably in the US you would reload a pay as you go phone rather that top it up? And possibly even use different terminology to pay as you go?

Makes we want to give reading Bill Bryson’s ‘Made in America’ a second attempt at reading it

Top-Up confused me when I came here.

PAYGO is the terminology but prepaid is more common as no one offers literal PAYGO only prepaid bundles.

MVNOS are not common like in the UK. It is mostly national or regional carriers.

There are some niche MVNOS that do offer PAYGO but they are unknown.

SIMs are not easily obtained outside cell phone stores like in the UK and until recently half the carriers did not use SIMs

Reloading a gun is indeed a very American pastime. I personally don’t know that it’s worth attempting to arm the app with American terminology unless it’s genuinely confusing. “Top off” is used in terms of gas (petrol) or in terms of a drink, and “top up” is close enough to that to convey the right thing.

Now, I have no idea what a “Standing Order” is (I think that’s something used in parliament), but most of the items on this list are debatable as to whether they’re confusing (or even if the presumption is wrong).