I agree with everything you have listed here and all of these suggestions have been suggested to Monzo before, some a very long time ago but it seems they don’t see this area as a priority which is a shame. I’d probably settle for half of it being done as it’d at least improve merchant feedback somewhat but seems like it’s barely acknowledge sometimes by Monzo.
The fact that it’s barely acknowledged along with some other sections I mentioned earlier is part of what “could” make me leave as a year ago we would have at least had an acknowledgement of the issue and told it was on the list to be fixed/iterated on.
I could see myself leaving if Monzo showed a marked departure from the values expressed by their work to help those who struggle to get bank accounts, struggle with gambling, etc.
This shows a real attempt at doing a solid social good, and I’d put up with a lot of technical stagnation or issues if I thought I was supporting a company trying to do these things.
TSB really messed up. But what made me leave was that rather than admitting how badly they’d messed up, they denied the issues existing or made out that they weren’t a big deal (when their customers were saying how they’d been so badly affected). And that’s what made me leave.
As it is, months later I am STILL dealing with issues caused by TSB with no end in sight, and still haven’t even had an acknowledgement of my complaint beyond a quick automated email to say that my online form had been received.
I don’t mind if Monzo mess up. Mistakes happen. But if Monzo failings are brushed off without a proper apology, I leave.
I prefer not to think about it but if I have to it would be seeing things like emojis released before more important features. It wouldn’t bother me so much if we had everything related to banking in good state, all needed/basic features etc. But things like emojis is not an achievement regardless of how quick it might have been to develop.
This would point me to second possible thing which is if product vision will clearly go toward certain group of people. Despite personally not agreeing on foreign atm transaction fees I respect the decision and I like that many different groups of people are being heard. Whether those be travellers, big spenders, web/phone users, local spenders (UK), etc. Hopefully this will drive different groups to Monzo like youngsters, self-employed, freelancers, older generations.
There are few little things that annoy me but wouldn’t be big enough to ever leave Monzo, okay maybe if suddenly I need to buy a new phone just to access the app (unless web-app will become as functional as mobile)
Customise feed, whether I want to see the pulse or not, details I want to see in the feed, how I want to see it
Receive feed notifications when any change to my account/money is made (amount settled etc.)
Receive international transfers
Gain interest on saving pots
See current currency exchange if abroad
Those features directly relate to me but there have been things like PIN, Joint Accounts, and many more.
Not so important but I would love to have a better system to be able to correct merchant data, and from a web interface not an app. I would spend a lot of time giving you guys the right coordinates, addresses, but doing it from a phone is just not feasible for me.
Don’t get me wrong I am still amazed by everything Monzo do, but this emoji thing struck a bit of a nerve. The good thing is I am a very patient person so I know it’s worth the wait It can also come from my peculiarities that I like having control over what I see and how I see it but very often simple customisation is overlooked when services are built.
But with that in mind I am totally aware that some of those things can take longer time due to external processes beyond Monzo’s reach.
I can’t use Monzo due to overdraft restriction - £100.
I want to be sure all my Direct Debits will leave my account on time.
I never used overdraft for more than few days.
I need at least £500 overdraft to cover quarterly energy Direct Debits and Mortgage payments…
Monzo CS refused to check this for me - “no option to increase overdraft at the moment”. Why Monzo unable to re-check my credit file for any updates?!
As a conversation with Monzo CS has already happened I thought suggesting it be repeated would come across as patronising and wouldn’t be particularly helpful.
I understand but they are the only people that can help him. If he still needs clarification about why they can’t check his credit history again then they are the only people that can help.