There is no scheme, as such, for partial switches. CASS is only concerned with full switches. There’s aren’t any rules governing partial ones.
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It is interesting to read about this. And the main thing I am hearing is don’t close your account ever!
A partial switch is basically getting the uninterested intern to go through all your DDs and swap them over for you, manually. There’s no guarantee, and you’d have to trust the bank a LOT to do it correctly.
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VM let me request it online. Then sent me some papers to complete for both starling and Monzo, and to tick boxes and choose dates I want them to move, then post it back to them. 
Monzo ofc didn’t move anything 
Should really complain to VM. They gave me £75 already for the long delay in account opening 
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I wouldn’t do it for anything majorly important but for three direct debits I was fine with it.
Was. Was fine.
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Total speculation on my part, but if I was Monzo and trying to get the bank into profit territory, I’d run every application through AI to assess likelihood of profit. Given the masses of data they have on current accounts and which ones make them money and which ones don’t, I’d probably leverage that into machine learning to determine acceptance criteria.
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I was actually just thinking today (now I have a lot of time to just sit and think) and I’m rejected at the point of my email being seen. Like it’s not as though they check my credit and personal data for risk assessment. It’s right off the bat from just the email.
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Is there anything to stop you from reapplying with another email address? Have they specifically told you you’re not to do that / not eligible for another account ever?
If I try a new email I get stuck on the mobile part as I don’t have another number and it says the number is registered already.
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We need to get you a PAYG SIM for science!
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£1 from tesco and you are sorted?!
EDIT: Then once you are ‘in’ can you change the number to your normal number?
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I doubt it. They did previously unlock my details and it was months of back and forth being declined after submitting details.
It’s just now it doesn’t let me go even past the email part.
It’s certainly possible that things have changed in the 2+ years since I left, but certainly in the years I was there, the default was to be transparent unless we either literally could not be (third party agreements and/or regulation) or if it would be a monumentally stupid idea to do so.
The latter was logical, of course. The former, was almost always incredibly frustrating for the company.
Without knowing the specifics of this case, I’d surmise it’s potentially a mix of both. The key part is that it doesn’t necessarily mean the customer has done anything wrong. There are attributes that can be at play that are variable enough to where there’s no such thing as a “false positive” even if there is no bad intent. Obviously, those attributes can never be shared because of the people that DO have bad intent.
But, clearly, there is no situation in which losing a valid customer is a positive outcome for Monzo. So it’s just one of those things.
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So I spent 99p on a new SIM, and I used a different email.
And with some dire shock: account opened!
Though now I’m sadly customer 6,869,663.
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So your refusals in the past were simply “in the ‘too difficult box’”? Nothing to do with your credit or risk profile? Seriously?
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Seems too easy lol
I’m not sure really. I am going to hazard a guess it was some system thing with a closed account/same email/same number.
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Surely it’s the person accepted or declined not the email address?
We shall see. I would like to think not, but I await with baited breath.
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It never let me get to the verifying myself. That was the issue.