Thank you Ordog 
Very helpful
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Don’t thank me, it was @nexusmaniac who did the detailed write ups… The little Monzo nerd 
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Thank you to @nexusmaniac in this case and thanks to you as well, though, as you’ve found it and posted it!
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Been asked a few times if investments are same as gambling, so just going to write my thoughts on it (sorry - I waffle on I know!)
When you gamble, you often own nothing and are thinking it’s a quick solution to a situation. You act on impulse a desire to get more now. You almost crave the near win more than the ‘jackpot’.
Whereas, investing in shares, a pension etc, actually take a lot of self control. The understanding it will be a risk but will be long term (if day trading then it’s different again). You need to have money Infront of you to invest, you have to think can I “live” without it for long term. It’s a lot more a thought out choice.
Hope that explains my logic for this being different to a “bet”.
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not sure I agree Danny, yes its not a immediate buzz, fix - whatever - ( I don’t appreciate what gamblers go through ) investing is an informed gamble , but still a gamble , things happen , events take over , you still risk your “stake” with shares.
Personally I look at Monzo and see how it works , see what it gives me with peace of mind over my spending etc etc and think, yes I like this product , I can see its uses, I can see its potential , am I willing to risk some of my money in that it will get better, more popular, more profitable - yes I am . Others might feel completely different that this and that doesn’t work for them , don’t like the app , support responses are not great at the moment etc ( haven’t used support for about 6 months so don’t know ) .
Would they risk their money ? - maybe not - I like being part of Monzo , I appreciate the financial opportunity Monzo has given me of sharing being part of the success ( or not ) - but it’s still a gamble
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That’s actually pretty cheap for the industry… Seedrs charge a similar fee, plus 7% of investors’ profits at exit!
Completely get that from my perspective, was thinking will investing make me go backwards and be wanting to go out and bet as a side effect of it. It’s a gamble but one I feel would be a controlled decission, rather than be risking my current life/debts.
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If it’s gambling then so is putting it in an ISA or 0.01% government bonds. You are gambling that the government is going to remain solvent for many years, which personally I’m not completely sure of.
Monzo is what we former gamblers call a dead cert, a NAP, or a 1.01 train 
I wouldn’t call it gambling myself but respect others opinion that it is to them.
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So £10 in and I get a special new card… Love the sounds of that
Tempting this time around.
I know I need to read the portfolio document in more detail - but is the only way to cash out of shares whenever Monzo decide to go public, if indeed they do?
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for a tenner with the bonus of getting an "Investor " card I’d let it ride , by the time you cash out your shares depending on what vehicle is used to IPO you might owe a bit more money - lol Halifax charge £12.50 / trade
Crowdcube don’t charge a fee at present if you can find your buyer.
Oh the tenner was just in jest!! Would hopefully throw a something a touch more at it.
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Since one of the terms is that you need to be a Monzo account holder it will be interesting to see if there is a surge in signups after this announcement 
At time of writing the homepage is reporting that we’re at: 1,199,845…
They only have til midnight tonight
Excited for this! One thing I’ve not seen mentioned… will new investors get the investor app icon?
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Ohhhh really? Then I wonder if there was a slight spike in the recent week when speculations of this announcement grew stronger.
Yes. Also a Monzo investors card and access to investor talk thingys - it’s all in the blog post 
But all the ads are running as well so crowdfunding affect won’t be obvious
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Hey there! The prospectus mentions that existing Crowdcube investors would get 2 days’ head start (3rd Dec vs 5th Dec)- am I right in guessing that means people through successfully invested in previous rounds?
Hello!
What is the difference between a Monzo investment and a fixed rate ISA?
Is there a minimum amount to be eligible for the investor card reward?
a fixed rate ISA is a fixed rate over a fixed period that is guaranteed , Monzo is a gamble that could potentially give you a large return - or lose your money