5 ms·
If they had a proper banking website and didn't expect you to use an "app" on your phone I might be more interested.
by jbb67 8y ago
If they had a proper banking website and didn't expect you to use an "app" on your phone I might be more interested.
- ollyculverhouse 8y agoErr, that is what they offer, banking via an app. If that is a problem for you, maybe you aren't their ideal customer.
- tome 8y agoWhy not support an interface on something that's not a phone too? It doesn't sound like supporting a web SPA would be stretching their core competence.
- corobo 8y agoThey have an emergency-access version at http://web.monzo.com http://web.monzo.com but they're a mobile app bank.. not really much more than that to say, website wanters aren't the market they're serving
- tome 8y agoWhat's the big difference between website wanters and app wanters? Don't most people want to sit down on a chair at a keyboard and large screen if possible?
- Sholmesy 8y agoIf you look at most device splits on the web, its predominantly mobile, by a fairly significant margin.
- SmellyGeekBoy 8y agoPredominantly mobile is still not 100% mobile.
- corobo 8y agoGreat news if you're wanting to open a web-based challenger bank then :)
- mattlondon 8y agoThe UI of the monzo app is actually pretty good on a small screen. I've never felt I need to use a desktop to view it (same for the "traditional bank" app I use too to be honest - going desktop doesn't really add anything since its just a table of numbers really). The reality is that you never really use the app anyway apart from very occasionally. The "UI" for this bank account is the card itself.
- C1sc0cat 8y agoSo young relatively poor users or those that do a lot of travelling the free ATM withdrawals is a big plus. I prefer the traditional physical bank only for security I only do online banking with my secondary bank which I only keep 100 quid in.
- jstanley 8y agoWhy though? Why insist that their offering only works on the most insecure class of device that people own?
- arethuza 8y agoI would have thought that mobile devices are likely to be rather more secure (free from malware) than most Windows PCs.
- raesene9 8y agoLOL, whilst I won't necessarily include all Android devices in this, I'd argue that iPhones and better Android setups are likely the Most secure device that most people own. Traditional PC security is way too complex for non-technical people to manage effectively, so the approach of walled gardens and vendor managed security is the way to go. Not to say that a technical person can't achieve a better level of security with a PC/Mac, but for non-technical users, it's going to be mobile all the way.
- dbbk 8y agoModern phones are far more secure than the typical computer.
- Sholmesy 8y agoIt being an app, downloaded from a moderated app store (albeit not a very well moderated one) rules out an entire class of attacks (phishing), which make up a large portion of online banking attacks. This alone is probably a decent competitive edge over traditional banks.
- matthewmacleod 8y agoThere’s a basic web app available, but you have to understand the the whole point of this service is banking by app.
- benj111 8y agoIs this true? As far as I understood they were app only. I would certainly be more interested if they did have a website. That's the thing that I don't get with these new fintech companies. Most of my banking involves sitting down and looking at a minimum of 2 windows I don't really get how an app only workflow would be tenable for me. I definitely don't understand app only share dealing. Am I expected to check my shares on the morning train? I've tried chip which is part of this fintech wave and is billed as a savings app for loose change, but doesn't pay interest, except via referrals, and the interface is a bot, except it isn't, its just an anthropomorphised menu that makes basic stuff hard, and it has gifs.
- mcintyre1994 8y agoweb.monzo.com - enter your email and they'll send you a login link. Not sure it'll cover everything you need but might be worth checking out.
- rleigh 8y agoThis seems bizarrely restrictive. To not be able to use a computer or a device without the specific app seems somewhat foolhardy.