What we’ll build in 2019

Surely you can see why I don’t want to carry a garish advert around with me 24 hours a day? I don’t do it for any other brand, and I don’t want to do it for monzo.


It’s not so much an advert as part of their brand identity. And for everyone who hates it, there’s someone who loves it. Can’t please everyone all of the time!


It’s not even well made. The writing fades, it bends more easily than any of my other cards. It’s cheap and nasty.


But that’s a different problem, and independent, to the colour, surely?


I love Monzo… that’s why I use them. I just want a different card colour to love them much more :slight_smile:
And I believe there are people who is not signed because of colour (not serious)

On card colour more generally, I have thoughts!

  • I’m sceptical about subscription models being used for different card designs. One of fees, fine, but i think that subscriptions are inherently problematic - what happens if you subscribe for a month then cancel? Is there a minimum term? What about the cost (and environmental impact) if you stop paying? I reckon for different (discretionary) cards, a one off fee and a certain number of free replacements.

  • I’m sympathetic to @nexusmaniac’s point, but also want to see some brand evolution. I’d be down for hot coral remaining an element of every card, but with liberal doses of black or other complementary colours. Maybe like this. Or this.


Like Curve… they just charged £50 for black card… before subscriptions…
So I would be happy to pay one off fee £30-£50 to Monzo for different colour card… why not

Looks good! I like the idea of tracking loyalty schemes from the app.

I’d love the ability to add notes to incoming transactions especially PayPal.

Hoping there will be another investment round as I’d love to invest but missed out as I was too young last time :pensive:

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I hate reading stuff like this because now I want all of it. I already feel myself becoming impatient.

Personally I’d build the cashback thing first. Would be a great marketing tool. Hell, I’d split my cashback 50/50 with Monzo if it meant I was auto enrolled in and didn’t have to mess around setting up tracking links.


So, if anyone out there in Monzo HQ is reading this… I’m looking to remortgage in September if you need a guinea pig!


Any chance of getting the ISAs going by the start of the tax year?


Would be handy

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Yeah it would be nice if they could get another “hot coral” style coloured card for the joint accounts.

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Thinking about it, if the selection of benefits from paying monthly/annually included a higher interest free overdraft, I’d appreciate that. It wouldn’t be enough on its own obviously, but as part of a wider “Monzo Plus” offering, that would be nice.

I totally agree with the idea of having a different colour card for the joint account, maybe another bright colour like Lime Green or Yellow so I would still get questions when using it or meet other Monzo users :monzo:


Can’t quite believe how much the colour of the card has taken up so much of this thread with all the other cool potential features being mentioned :rofl::rofl:


Do I want another colour? No.

Do I care if others have another colour? No.


I guess enough about card colours. Here’s my thoughts:

A faster, better way to get a mortgage or remortgage

I’d like to get a mortgage either later this year or next year, so that’s appealing. Thing is, unless you have a better rate than anywhere else, I’m going to go anywhere else. Faster isn’t always better.

Clearer, fairer insurance when you need it

Insurance isn’t really that much of a headache, I think? So I guess it’s car, home/contents, phone and travel? All of those I just use comparison websites and get it sorted, except for phone insurance where I’m just with AppleCare. Complementary travel insurance as part of a wider selection of stuffs would be good, as travel insurance is pretty cheap, but it depends on what the excesses and limits are (which are straightforward to compare with others)

Loyalty schemes, rewards and cash back on the money you spend

No thanks.

Visibility of more of your accounts in Monzo

Not relevant to me, except for a credit card which has its own app and has an automatic direct debit so it doesn’t matter.

More ways to save and invest your money
rounding up all your spending

already a thing (that’s just coin jar? am i missing something?)

send any money spare at the end of the month into your ISA

There we go, that’s something I’m definitely after. Not just ISA, just any pot.

Help building and tracking your credit score

Credit scores are nonsense and even with the best credit score you can be rejected for seemingly no reason. I couldn’t get on the iPhone Upgrade Programme despite a perfect credit history and Experian score was 999. It’s now not 999 because I got declined for the programme twice and took up a 0% interest credit card instead. Barclays then refuse to reveal why them specifically declined my request for credit. So it’s all well and good offering tips and tools like this, but they’re already available everywhere like MSE’s Credit Club, or Experian’s or CallCredit’s own tools.

An option to buy add-on services for your current account

Sure, different design cards would be interesting for many, but I’d only really be interested if they were functionally different. As mentioned in an earlier post, if I can use them to pay direct from certain pots depending on the colour of the card then that would be nice. Not sure I’d want to recurringly pay for that privilage, but I’d probably pay a one off for the card to be made and sent.
Increased free withdrawals abroad would be nice, but you’d need to explain up-front how much you’d need to withdraw to make it worthwhile. Like, if I paid £5 a month for an increased limit, the fee free limit would need to be £167 a month more than the current monthly limit to break even. And even then, I’d probably only do it for while I’m abroad, unless you’re tied into a yearly subscription, in which case it would need to be drastically more as I go abroad once or twice a year, if that.

ㅤ ㅤ

But really I just want the existing app to be tidied up and made smoother.


Who uses cards these days anyway :grin:?


Absolutely agree, it’s not the garish colour so much as the poor quality of the card, it all looks so cheap and nasty