3 ms·

Bingo. The fact that I can see all my transactions, automatically categorised, in an app that is much prettier, full-featured and simple than the crap that Hal

Bingo. The fact that I can see all my transactions, automatically categorised, in an app that is much prettier, full-featured and simple than the crap that Halifax put out, is brilliant. Combine that with a simple setup process, never having to interact with humans or call centres, and add tha bility to automatically save, interact with IFTTT etc and you have a very compelling package and I hope they continue to do well

cameronbrown 7y ago
> never having to interact with humans or call centres Many people would argue this is a tech company's biggest flaw.
- Balero 7y ago
  Never having to?? I can understand "never being able to" being a flaw. But if I can get my stuff done without talking to someone then that is brilliant. I don't have to go out of my way to go somewhere, I don't have to bother with a bad phone reception, I don't have to wait in a line for it to be my turn. I just do the things I need to do when it is convenient for me. If I want to open a savings "pot" (Monzo version of a savings account). Then I can do it on the bus on the way to work. I don't have to take time off to go to a branch, or prove I am me on a phone call etc. I just use the app, and it's all done.
  - cameronbrown 7y ago
    All I'm saying is they're less likely to invest in good customer service infrastructure if it never 'needs' to be used. There's always the possibility that something unaccounted will go wrong.
- titanomachy 7y ago
  I don't mind interacting with people, but basically every company with which I'm a customer has made this a painful and inconvenient experience. The exception being physical things like buying groceries or getting a massage. All interactions with ISPs, banks, etc. involve spending tons of time on hold and then talking to multiple clueless undertrained call-centre staff.
- andy_ppp 7y ago
  Monzo actually has chat integrated and you can go back and see all the instant messages between you and them. Much easier to ask a chat message about a transaction and receive an answer with a push notification when everyone is read to discuss (i.e. at 4am you might well have to wait til the next day but no big deal). I have to say the best thing about Monzo is their customer service, it's really fantastic compared to other banks. I have other problems with them though - I won't use them with their 50p per day overdraft charge, even if you only go slightly into it; this persecutes poor people - it's much fairer to charge a flat percentage.

cameronbrown 7y ago

> never having to interact with humans or call centres Many people would argue this is a tech company's biggest flaw.

Balero 7y ago
Never having to?? I can understand "never being able to" being a flaw. But if I can get my stuff done without talking to someone then that is brilliant. I don't have to go out of my way to go somewhere, I don't have to bother with a bad phone reception, I don't have to wait in a line for it to be my turn. I just do the things I need to do when it is convenient for me. If I want to open a savings "pot" (Monzo version of a savings account). Then I can do it on the bus on the way to work. I don't have to take time off to go to a branch, or prove I am me on a phone call etc. I just use the app, and it's all done.
- cameronbrown 7y ago
  All I'm saying is they're less likely to invest in good customer service infrastructure if it never 'needs' to be used. There's always the possibility that something unaccounted will go wrong.
titanomachy 7y ago
I don't mind interacting with people, but basically every company with which I'm a customer has made this a painful and inconvenient experience. The exception being physical things like buying groceries or getting a massage. All interactions with ISPs, banks, etc. involve spending tons of time on hold and then talking to multiple clueless undertrained call-centre staff.
andy_ppp 7y ago
Monzo actually has chat integrated and you can go back and see all the instant messages between you and them. Much easier to ask a chat message about a transaction and receive an answer with a push notification when everyone is read to discuss (i.e. at 4am you might well have to wait til the next day but no big deal). I have to say the best thing about Monzo is their customer service, it's really fantastic compared to other banks. I have other problems with them though - I won't use them with their 50p per day overdraft charge, even if you only go slightly into it; this persecutes poor people - it's much fairer to charge a flat percentage.