# What's next for Plus & Premium - a question to Monzo **URL:** \ **Category:** Monzo Chat\ **Created:** [29 March 2022 11:43 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838 "2022-03-29T11:43:40Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [30 March 2022 19:21 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/22 "2022-03-30T19:21:25Z")
> [@N26throwaway](#): > > I think a better question to ask would be _What does Monzo offer you that Chase doesn’t?_ Personally, I’d go for “what’s the best current account for you?” If you’re looking for excellent cash-back and savings rates, it feels like Chase is the answer. If you’re looking for (in my opinion) a quicker, more responsive, more contemporary app with extra features (like Trends, bill splitting, shared tabs etc etc) then Monzo is for you. Ultimately it’s for everyone to decide. Most folk on here will probably use a combination of accounts for different things. And, let’s remember, whatever solution everyone chooses is okay! ---
**Author:** ![dannymidd](https://avatars.discourse-cdn.com/v4/letter/d/eb8c5e/32.png) [@dannymidd](https://community.monzo.com/u/dannymidd)\ **Post date:** [30 March 2022 19:23 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/23 "2022-03-30T19:23:54Z")
im over 50 and im in the monzo crowd lol i must also admit chase does not appeal to me in the slightest ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [30 March 2022 20:42 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/25 "2022-03-30T20:42:59Z")
Speaking personally, the Chase app isn’t anywhere as nearly polished as Monzo’s. And Monzling have really raised the game and spoilt me, so odd bits of grit (like slightly delayed faster payments) become a bigger issue than they perhaps would have been a few years ago. But that said, Chase’s offers are ~~pretty good~~ market leading. I know that JPM is effectively buying customers and that in the long term that’s not good for competition, but (again from a personal perspective) I’d be silly not to take advantage. And I do like some of the features, like being able to pay direct debits from the savings account (even though I won’t be using that). I think this leaves me thinking: 1. Competition is good, and I hope this causes Monzling to pull up their socks (I suspect that Starling is likely to be more of a substitute than Monzo, but let’s see). 2. I feel a bit sad that the rumoured Starling acquisition never happened. JPM funded offers with the technology of Starling would have been very difficult to beat. I’m very keen to see how Monzo responds. They don’t necessarily have to match the offers, but more differentiation is needed - especially for the paid accounts. ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [30 March 2022 20:49 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/26 "2022-03-30T20:49:30Z")
> [@Peter\_G](#): > > more differentiation is needed - especially for the paid accounts. Indeed, this was part of my feedback when it asked why I was cancelling premium. It just isn’t worth the extra money (especially if you have a family that need phone insurance), for me at least. Others may feel it is and that’s fine too 🙂 ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [30 March 2022 20:53 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/27 "2022-03-30T20:53:20Z")
Premium is just about still worth it for me, but the inability not too downgrade to Plus still leaves a bit of a bitter taste in the mouth. ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [30 March 2022 20:55 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/28 "2022-03-30T20:55:56Z")
Yes this is a real pain and it irritates me too. I’ve asked if they can just not bother to send both the basic and plus cards and only the latter. If I didn’t have other phones to insure I’d have stayed with premium in honestly. ---
**Author:** ![Paulw](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/paulw/32/96457_2.png) [@Paulw](https://community.monzo.com/u/Paulw)\ **Post date:** [30 March 2022 22:01 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/29 "2022-03-30T22:01:05Z")
I’d like Monzo to keep polishing and adding new external providers to connect to but show some movement on this rather than building and leaving it. Same for the offers, have a few pop up every couple months to help keep things fresh. Move some of the stuff out of Plus/Premium tab that @Peter_G has mentioned on another thread. More virtual cards would be nice. ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [30 March 2022 22:01 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/30 "2022-03-30T22:01:58Z")
> [@Paulw](#): > > show some movement on this rather than building and leaving it. If there’s one piece of advice for Monzo, this is it. ---
**Author:** ![MrDapper](https://avatars.discourse-cdn.com/v4/letter/m/a87d85/32.png) [@MrDapper](https://community.monzo.com/u/MrDapper)\ **Post date:** [30 March 2022 23:03 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/31 "2022-03-30T23:03:27Z")
Had Plus got rid of it as soon as Chase came to the scene. Monzo need to up their game. Seriously. ---
**Author:** ![orphanscradle](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/orphanscradle/32/47204_2.png) [@orphanscradle](https://community.monzo.com/u/orphanscradle)\ **Post date:** [31 March 2022 00:03 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/32 "2022-03-31T00:03:27Z")
Remember Monzo points? Good times, good times. ---
**Author:** ![JimmyJones](https://avatars.discourse-cdn.com/v4/letter/j/e9a140/32.png) [@JimmyJones](https://community.monzo.com/u/JimmyJones)\ **Post date:** [31 March 2022 07:28 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/33 "2022-03-31T07:28:03Z")
The problem is that Monzo spends most of its time building stuff which doesn’t help me. The budgeting features are irrelevant to me and same with Flex. Perhaps I’m just not the audience. ---
**Author:** ![BenLeo](https://avatars.discourse-cdn.com/v4/letter/b/94ad74/32.png) [@BenLeo](https://community.monzo.com/u/BenLeo)\ **Post date:** [31 March 2022 08:12 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/34 "2022-03-31T08:12:12Z")
For what it’s worth, this can be done. When cancelling Premium, skip the step of confirming your address for the coral card. Then order the Plus card when upgrading. I only got one card (Plus) in the post. Virtual cards will need to be recreated, as they are deleted the second Premium is cancelled. ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [31 March 2022 08:51 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/35 "2022-03-31T08:51:34Z")
> [@BenLeo](#): > > When cancelling Premium, skip the step of confirming your address for the coral card. Then order the Plus card when upgrading. I only got one card (Plus) in the post. It can but it’s not easy to do. Would be better if it gave you the choice, do you want to go to plus or back to basic. Then order the card. If the customer chooses to go back to plus then it retains the custom categories, virtual cards setup etc. ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [31 March 2022 08:59 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/36 "2022-03-31T08:59:49Z")
Sidenote: Monzo CS were as usual superb. Managed to cancel the hot coral one so I’ll only get a plus one ---
**Author:** ![duncang](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/duncang/32/14727_2.png) [@duncang](https://community.monzo.com/u/duncang)\ **Post date:** [31 March 2022 10:19 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/37 "2022-03-31T10:19:07Z")
> [@JimmyJones](#): > > Monzo spends most of its time building stuff which doesn’t help me. What features _do_ you want? ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [31 March 2022 10:38 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/38 "2022-03-31T10:38:33Z")
So @AlanDoe - lots of guesses and want’s from Folks. Is there anyone from the plus team who would mind sharing their thoughts? The total lack of response from Monzo suggests that nothing is going to happen, or there is something exciting in the pipeline. Would there be any kind of official Monzo line on the future of plus/premium? ---
**Author:** ![FrancoJJameson](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/francojjameson/32/74096_2.png) [@FrancoJJameson](https://community.monzo.com/u/FrancoJJameson)\ **Post date:** [31 March 2022 13:48 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/39 "2022-03-31T13:48:57Z")
I pay for plus specifically for those features: the automated exporting of spending reports and categories are simple but give me a much better overview of my finances across both my monzo and brick and mortar accounts - I’m happy with what Monzo are providing - will look forward to benefitting from further developments/services ---
**Author:** ![AlanDoe](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alandoe/32/45031_2.png) [@AlanDoe](https://community.monzo.com/u/AlanDoe)\ **Post date:** [31 March 2022 14:48 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/40 "2022-03-31T14:48:04Z")
Sorry for the radio silence! @JIMMWX I’m having a meeting next week with a member of the Plus/Premium team so I’ll see what kind of update I can bring or if we can get some input from the team directly 🙏 ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [31 March 2022 14:57 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/41 "2022-03-31T14:57:14Z")
Hey @AlanDoe no problem - as nice as it is to hear from the community what we would like to see, these are just hopes (and maybe inspiration 🙂 That would be amazing and no apologies needed for radio silence, we are all busy people so anything they can do to give us an insight would be much appreciated I’m sure. I’m not unaware of how updates from the plus team have gone down previously so I hope everyone can be civil this time ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [7 April 2022 13:23 UTC](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838/42 "2022-04-07T13:23:38Z")
Did you ever manage to get a response @AlanDoe [Previous page](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838.md?page=1) [Next page](https://community.monzo.com/t/whats-next-for-plus-premium-a-question-to-monzo/130838.md?page=3)