I don’t care about Apple Pay Monzo need Fitbit pay
3 Likes
Don’t make them change their priorities now! 
agree!
1 Like
Question… what’s the benefit of using Samsung pay when the phone runs android anyway so would have google pay access? I’m an iOS user so just curious
1 Like
It saves having Amex, Co-Op, Danske, First Direct, HSBC, Nationwide, Santander etc accounts in the one app and Monzo separately in Android Pay…plus it works with Samsung Gear watches.
1 Like
Very much edge case then
2 Likes
Couldn’t you just put all your cards in google pay though?
Fair enough about the watch. Guessing that doesn’t support google pay ?
3 Likes
I feel like I don’t have anywhere near as many cards as a lot of people
3 Likes
That is a case of customer must change to suit the bank rather than banks service customers.
You could also support Fitbit Pay and Garmin Pay rather than just say don’t use your watch and use your card instead.
At the start there was a hope with fintech it would break the mold and be for the people. It could of not just gone down the route of adopting Swift and SEPA but linked to other networks like SOFORT, Western Union, etc as well, and instead of saying here is an app for Apple and Android only had one that was universal for all OS, and instead of just having Android Pay (now Google Pay) have Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay. You may say why have them all or why not only have the major ones but it is a matter of supporting customer choice, a bit like a company saying you can only contact us by webform and phone but not email or letter, when some may want to take the email route.
Instead we end up with a bank that only uses the 2 main international payment systems and does not radically connect direct to national systems; can’t be used with Windows mobiles, BlackBerry, etc or on a PC when phone broken or stolen.
It will be just like a legacy bank but without the branches, with just the same standard features except for a few maps, and have nothing ground breaking. No real USP except pots, and even then with other banks such as bunq (appreciate it is not UK) you can use them with their own individual account numbers and link to one of them with a secondary PIN on your bank card.
I love the guys at Monzo and their great product, but it is at the moment half a bank with all signs that the path to the future is one of baby steps not great strides. I’d love to be proved wrong.
7 Likes
for your 75th post that mentions SEPA.
17 Likes
The April updates seem to be more comprehensive than the previous ones.
Let’s hope the prepaid closure makes it easier for them to progress faster (as they don’t have to implement everything for both).
3 Likes
I use SEPA as most people know it as that, but it really is SCT we are talking about. For me it is a fundamental part of basic banking services, though I realise some never touch it, I use it on average 4-5 times a month. SEPA also have SDD but that will be very low priority and wait until they have Euro accounts! As for the joke, I love it. I do talk about payment systems a lot, even on a Dutch forum where we discussed card usage and domestic schemes in Benelux, DACH and DK, so an “oh, shut up” may have been just as appropriate 
But I think companies are better when they don’t just listen to insiders and fanboys but have others poking and shaking them too. I don’t expect them to do what we say, but just listening to the thoughts may help in confirming they are on the right path or if they need to pick up pace.
We have seen recent updates to the Monese app, plans for the Russians and Germans to enter the UK fintech arena, etc and I’d like there ultimately to be more than just the colour of a card or the app colour scheme that differentiates us!
8 Likes
Personally whilst you may mention international payment schemes more than most, that’s a priority for you and you should be free to express that. I don’t think I’ve ever seen an unreasonable post by you and have learnt a little about the banking work outside the UK from them, so I’m glad to have read them 
8 Likes
Thanks (honoured).
I was in fact teaching some staff at another bank some stuff about the british banking world the other day, so my interests are not solely outside this green and pleasant land!
1 Like
To be fair, I think the number of people who care about international payments is exceedingly small. Don’t get me wrong it’s on my nice to have list even though I’d never use it. But if they have to prioritise (and they do), I’d much rather see widely-used features like Pear Pay and general app improvements, API improvements, etc.
6 Likes
I think you’re right in this - but it’s one of those things that people don’t care (or think) about until they need it. And then it becomes irritating very quickly.
Agreed on the prioritisation front. For me, though, it’s a core banking feature, so should come reasonably soonish. Maybe after speculative third party integrations (for everyone’s sanity 
) bit before some iteration on features which are good enough for now.
(My view - others’ will naturally vary!)
2 Likes
Really? You think more people care about the API than about international transfers? I have no data to prove either way, but I’d find that surprising 
Other than that I sound like a broken record, but at the moment Monzo are lacking so many core banking features (and are happy with that!) that I struggle taking them seriously.
It’s not even that they say “Oh, yes, we know this is missing. We are working on it ASAP.” But rather “Yes, this is missing, but we have emojis and a community instead. Who needs a fully working bank, if you have emojis and friendly t-shirt wearing employees?!” (Obviously I’m using parabole - and I have no ideas whether Monzo employees wear t-shirts or hoodies -, but some days it feels like this.)
3 Likes
Seems most people don’t want a new type of bank. They want exactly the same bank with exactly the same features and products just without any fees, and in a fancy mobile app
9 Likes
They really, really have never said they are happy (or even anything loosely related) with lacking features.
Awh come on. You’ve been around long enough to know they have always said “we know it’s missing, it’s on our list”.
It might not be the highest priority, but they always admit when they know something isn’t there or needs improving.
I really cannot relate to your post at all.
10 Likes
You can’t claim to be a bank but sell just sweets instead. Thats isn’t a bank. Doing banking differently doesn’t mean lacking key features of a bank because you want to do things differently. It means having those key features but developing them in different and modern ways.
11 Likes