What if Monzo users could opt into a communal birthday pot?
Say a yearly subscription of 50p every month or something like that.
Then every month/week some sort of magic Monzo algorithm could pick a random Monzo user (whose birthday falls on that day) to award the birthday pot to.
Even if the amount was small, it’d be a nice little surprise.
Depending how many users get involved there could be more than one lottery per month/week.
Also maybe the winner could be given the option to privately donate their birthday gift to charity.
I realise there’s lots of holes in how this idea could work.
That’s for the folks with bigger brains than me to figure out.
If every user subscribed just £1 per year, and a lottery was drawn every single day, then the prize would be c.£275 and you would have a 1 in 275 chance (0.37%) of winning.
£200 to the winner / £75 to a charitable cause, or split up as appropriate following user feedback.
Everyone loves a Brucey Bonus!
Factor in administration costs.
Consider Monzo actively has (optional) gambling blocks. Would this contradict what they are doing there with vulnerable customers?
A few angles on this - personally I would be more than game though.