Monzo doesn't show payee images on the activity feed or on the pay someone page, so why does it let you upload them in the first place? For an app that's superior to most other banks, this seems like something out of 1996. I think it makes the activity feed look really ugly, seeing lots circles with initials in them. I know I'm nitpicking but it's annoying.
Monzooooooooo!!!
I love the Monzo card most. When I see someone with a Monzo card I feel like we should be friends.
I'm in the process of switching banks from Monzo to Starling and I'm starting a new agency job soon, where I'll be paid weekly.
Part of me wants to get paid into Monzo for the early pay because apparently if the manager doesn't sign off on my timesheet before the end of Tuesday afternoon I won't get paid on the Friday and will have to wait until the following Monday. But it's not like I'm hard up for £100 or whatever so I need to man up and commit to the switch fully.
I'm wondering when my wages will show up in my feed as an incoming payment, because I think that if I know for certain what I'm about to get paid it will give me some peace of mind. I heard it's the working day before payday but then I asked 4 AI's and three of them said it doesn't show until payday. When does it show for you?
How come every pot movement shows on statements? Starling doesn't show pots movements on their statements and it keeps things really neat and clean. On Monzo statements get littered with "transfer to pot" and "transfer from pot", which seems meaningless since it doesn't even show which pot you transferred to or from. I wish I could turn it off.
My account switched to a real UK bank account a while ago. I'm wondering if it will start showing on my credit file soon, or if anyone knows about how that works I'd like to learn more. Thanks.
Either this is a new thing or I've just missed it until now
I've used Monzo for about 8 years. They're a good bank but they charge for some basic things like virtual cards to link to pots/spaces, which has always irked me. I also dislike the ATM withdrawal limits they have. So seeing that Starling gives you those things for free instantly drew me to them. Also, apparently Starling has better customer service with the option to call their call centre. That's cool too. I've had some issues with poor communication on live chat from Monzo in the past so I'm looking forward to being able to call my bank if needed.
The advantages of Monzo are getting paid a day early (but I don't mind not getting paid early. What matters more to me is seeing my pay a day early as a pending payment, which I think Starling does. So that's fine), apparently Starling doesn't show active card checks that don't require manual approval whereas Monzo does (which I consider to be a minor security flaw) and apparently Starling doesn't let you manually mark a transaction as a subscription (minor issue and kind of irrelevant once it's linked to a pot in my opinion).
Overall Starling takes the win quite easily, hence me switching over. I have my account all set up and am just waiting for my debit card to be delivered.
Have any of you used both banks? What are the differences you noticed and which bank do you prefer?
I'm thinking of leaving my account dormant for a couple of years. Will it get closed? Does anyone know how that works and what I have to do to keep it open?
Mine would cost like £40-50. It would have actually good subscriptions included like actual YouTube premium, a good AI subscription, and something else like ad free Twitch or Netflix and maybe some cloud drive storage or something. Scrap the sausage roll and cinema crap. Gimme a gigachad package.
I want my card to be black. I want my app theme to be black. I want unlimited foreign cash withdrawals. I want higher limits on free Post Office cash deposits. I want 4.2% on easy access savings. I want higher limits on virtual cards. I want unlimited disposable cards. I want priority call centre access for problem solving. I want to get paid 2 days early instead of one. And throw in a lottery ticket for good measure.
I've noticed a lot of people complaining about there being too many ads in the Monzo app, but I honestly don't receive many and when I do I clear them and they don't come back. Is that due to me turning off non-essential permissions? Or do you guys have these settings off and still receive too many ads?
Extra gets 3% while Max gets 3.5%
I read a lot of people saying their accounts got closed or restricted and they have had issues with customer service and struggle to get problems resolved in good time. I find all these complaints concerning but Revolut, while it works as intended, is very useful to me in ways that other banks aren't. So naturally I want to keep using it. But I'm wary. What is your advice to someone trying to enjoy the conveniences of Revolut while managing the risk of experiencing issues that they maybe wouldn't have with other banks?
In an ideal world, if I wasn't concerned about their reputation and they had good customer service, I'd have my salary paid in and use them as my main bank but I'm not going to do that. However I could still have my bills go out of there, or is even that too risky? Can I depend on it for large transactions and transfers? Or should I just keep it topped up with a few quid and use it for basic spending and disposable cards?
What do you trust them with?
(Btw please assume all my activity is legal. I don't do crypto or any scammy shenanigans. I'm just trying to bank honestly).