Mine closed months and months ago and I can still use so it doesn’t matter lol
This has been probably the first month in a good while where I’ve not had money across a few different accounts… got to say it’s so much easier on the brain 
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I think this is something people underestimate when they are chasing 0.1% somewhere else, moving for a bonus, moving for a freebie.
Sometimes you forgo that extra to make life easier.
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Now with account swapping if it’s quite quick I get it - but stuff like people manually filling nespresso pods to save some pennies…
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Simplified even more.
Decided a couple of quid cashback per month wasn’t worth the stress of keeping track of direct debits going out of two separate accounts (one without notifications) so going to CASS Santander back into Monzo.
My wallet is looking very clean:
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The burnt coral works surprisingly well with your aesthetic.
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I really like the white numberless eco Wise card - much prefer it to the green one.
Do wise have any plans on becoming a bank?
I don’t think they do, even though they offer direct debits, interest on savings, debit cards etc. I really like Wise’ simplistic app, numberless card etc, but wouldn’t use them as my main account.
For now I just transfer money over and use them when I’m abroad. Never had any major issues with them, the only small thing was when I deactivated my account and reactivated it later on, my debit cards remained frozen and I could not unfreeze them. A quick email and it was resolved.
I personally prefer and trust them more than Revolut.
I agree, the app is just as slick as Revolut but far less cluttered (and doesn’t contain all the things I would never use). It’s also the only easy way to get a non-UK IBAN (required for some SEPA direct debits).
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Is there any benefit to this over just spending with Monzo?
Yes, you don’t have to use Monzo
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I don’t have a Monzo account.
In my experience Wise have slightly better rates depending on the currency, e.g. spending 20000 THB right now would cost £461.97 with Chase and £459 with Wise. I’m not sure if Monzo use the same rate as Chase or Wise…
It’s also cheaper to withdraw cash with Wise than Monzo (1.75% and 50p vs 3% over £200).
Do you have to convert the currency beforehand with Wise or can I put GBP in and go tap it about in Spain?
Pay in GBP, any foreign spend is converted at the time of purchase. Or open a ‘pot’ for the currency and convert beforehand.
Same principle as revolut.
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A purchase just now… only a few pence difference between Wise and Chase but Wise is still cheaper for euros…
Monzo uses the Mastercard exchange rate with no fee
https://www.mastercard.co.uk/en-gb/personal/get-support/convert-currency.html
It’s usually among the best exchange rates and better than Visa’s. However, they are all usually so close it barely matters.
Just in case anyone ends up in this situation dont do the eligibility checker again within a 30 day period. It’s such a ballache.
I’m now waiting for postman pat to send me a form in the post to sign the T&C manually and send back to Lloyds to open the card, which is somehow still quicker than waiting.
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I thought I’d double check with the eligibility checker on MBNA. Probs have reset the 30 days for Lloyds/BOS now. Not really in the market for a credit card anyways 
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I mean, if you really wanted to, ring and complain, get them to do it manually. I did this because I do actually want the card, just got to wait for the snail mail to do its thing.