Hey everyone! I’m Vani and I’m a Product Manager in the Growth Collective 
I’m here to let you know Year in Monzo 2024 has arrived!
Head to your app to take a look now.
We’ve had a lot of fun over the last few months across Product, Engineering, Product Design, Brand Design, Data, Writing, Marketing and more building out this year’s experience, so I wanted to share some of the thinking that’s gone into it behind the scenes.
A whole mood
Year in Monzo is a massive moment for Monzo every year – our goal is to spark a huge conversation by making something people want to share with their followers and talk about at the pub with their friends.
It all starts with a creative concept: something to tie the national conversation together with each customer’s personalised experience. A consistent theme that runs through and shapes the entire thing – from the content we include in it, to the way we design and write it, and through to every marketing channel we use to amplify the campaign.
We started by zooming out and looking at the big cultural moments of the year, spotting the trends and events that felt relevant to Monzo and our customers. Here’s a snapshot from our first ever jam on this!
This year, inspired by our new brand platform, we also challenged ourselves to come up with a concept that brings to life the message that no matter how you feel about your money, it feels better on Monzo. Year in Monzo is probably one of our best expressions of this – a bank statement with a bit of a difference!
Luckily, we had plenty of inspiration to work from.
Everywhere we looked, we saw contrasting moments and emotions that chimed really nicely with the Money | Monzo contrast – capturing the range of spicy, silly, chaotic, iconic moments that made 2024 feel like…
a whole entire mood
Or really, a thousand moods, jam-packed into 12 months.
What’s new to Year in Monzo
So, how did we bring the creative concept to life this year, while building on / evolving what we’ve learned from previous ones?
What are you in the mood for?
We know everyone loves to hate Year in Monzo, and each year we see people complain about being exposed by their bank.
Taking inspiration from these customer reactions, this year we introduced a tone picker that tells the story of each person’s year in two totally different ways. You can choose to experience it in “nice” or “savage” mode – and depending on your choice you’ll see different designs, animations, and copy. Which does mean we wrote a total of 300 nice and savage one-liners for each of the UK’s top 150 merchants
Your mood
The experience culminates with us defining your mood for the year from almost 50 different options. Here are some of my favourites:
We made both nice and savage versions, with copy and custom stickers adding up to almost 100 in total.
While a lot of these moods are based on whether you spent more than most at certain merchants like Pret, Primark, Lidl or Lime, this year we also looked at spending behaviours more broadly, bringing together multiple data points to define some of the moods.
If anyone gets the one for Coventry City, please let us know! 
We did a lot of thinking, modelling and testing on the data side to decide which mood we give each customer, balancing ‘relevance’ (we want to surface the mood that resonates with you the most) and ‘uniqueness’ (we want a broad distribution of moods so not everyone ends up with the same thing).
Best of the rest
We brought back your top places for travel – and added a nod to joint and under 16s accounts if you have them. Joint account transactions you’ve made are included in your experience.
If you’re signed up to our Extra, Perks or Max subscriptions you’ll see how many sausage rolls you claimed from Greggs and a section about your custom categories.
We added an interactive quiz element in the section about Pots.
(Note that not everyone will get these screens/sections in their experience depending on what’s relevant).
We’ve built the story-like components that make up the experience so they’re re-usable! So expect to see these crop up elsewhere. This approach will also simplify how we build Year in Monzo in the future, allowing us to focus more on enhancing the experience with new creative ideas (not building everything from scratch!).
Lastly, based on your feedback from last year we did explore incorporating connected account transactions, and we were really hoping to include it this year! But in the end the data compatibility didn’t meet our standards for providing a high quality experience. We’ll continue to explore this next year because we know it could make the experience a lot richer and more relevant.
Let’s see yours 
Head to the app to check yours out now, we’d love to see what you got and know what you thought of the experience this year.
I’ll go first 
Nice! 
Savage! 
