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