Monzo

I've had a few interactions with customer service (just queries etc) but I've found it refreshing to chat to a human and get answers. Revolut annoys me in that it's hard to get hold of a person.

It's a minor thing, but for a bank that says they build it up from the ground I find it annoying.

The help pages say that direct debits are processed at 0800 in the morning (great, means notifications arrive at a reasonable time) yet they process them around 0200 am just like any other bank these days.

1800849291 during business hours and they will be happy to help.

Just noticed this myself this afternoon when sending money to my Monzo IBAN from Revolut, it said it’ll arrive tomorrow and it’s still “leaving for recipient’s bank” and I have a cancel button available.

Anyone know why this isn’t SEPA instant or why Revolut seem to be holding this payment for a day?

Can you assign direct debits to pots? It’s something I only started using with Revolut recently, when we’re both paid I move the mortgage and other bills to their own pockets and set the direct debits to pull from there.

Just looking at the plans on the UK monzo, the plans seems quite good in terms of benefits, such as an annual train card, uber one. 3.25% saving account.

Be interested in monzo when they offer plans similar in Ireland

Very happy here too, find it pretty much flawless - using day to day now and have all but ditched Revolut - Monzo is so much cleaner and not riddled with ads and upsells

I've moved all my banking over to them, closing my ptsb next week. Have local cu shares for cash and cheques.

Now open to everyone.

After full usage for 2 months, it's going well.

My only issue is that I get a notification for every payment which I like except I don't like my pay coming up as a payment. Small gripe.

My big issue is pay credited at 9am rather than midnight the night before. Not a deal breaker.

Considering opening a Monzo account. I've been with AIB for 20 years. I just get paid in save for my house deposit in AIB. Once thats bought, I won't have large sums of cash anymore so the risk reduces. I'm thinking a Monzo / Revolut combination works fine and I can save on AIB fees once I buy the house.

Get €10 when you sing up with this link. https://join.monzo.com/c/cb616fq5

I've just had a quick look at their website, regarding joint accounts. It says both persons need a Monzo account. Has anyone been through the process? Does it mean you need to maintain 3 accounts between you in total?

Thanks for that

Great to hear your feedback. Is there any account maintenance fees if I just open a normal account, just to test out the interface?

I’ve not seen any fees to have a basic account. There are charges if you go over the withdrawal limit of €300 per month, others might confirm other charges?