Ye Gods! I struggle with 3 
I genuinely wish Chase luck because I actually think they’re going to need it. They’d better advertise the brand well, otherwise I fear it might as others have suggested, not go well, just like others that have tried and failed here. They definitely need to come up with a stand out account to actually make people want to switch, and as we all know, getting folks to dump their decades old account for a new player, isn’t that easy.
I think they do have a pretty exciting, and at least unique, offering.
They just need:
I do expect them to do all of this within about the next year (let’s check back at Christmas 2022).
Its ashame that its launching without Dark Mode. However it will probs end up with Dark Mode before Monzo does lol
And without wanting to come across any more negative than it may appear I have already done, in that time, both Starling and Monzo will both have increased their own customer bases and the major UK High Street banks will have even more mature banking apps to rival their digital competitors.
It wouldn’t surprise me if even RBS manage to actually introduce Dark Mode in their iOS app before Monzo get around to it.
Yes, but Monzo and Starling are no longer in an early-stage growth phase. They are pretty much feature complete, and new innovations at both are increasingly chargeable. Not always, but often (and especially at Monzo).
This is because they are now trying to monetise. Chase can afford to make a loss for a long time so I think they will be in a growth phase for a while, without worrying about the profit.
This stagnation with other fintechs is also simultaneously coming at a time when a lot of the traditional banks have got about as far as they probably can with trying to emulate fintech-type features on their ancient tech stacks. So Chase could come in and ride through the middle with an exciting new product.
And there was me wondering earlier, whether they’ll sponsor a dedicated user forum……
.
Causes me to wonder, though, what do forums (independent or otherwise) such as this, look like in the US?
All up-beat and Ye-Ha or do they apply the robust scrutiny you’re guaranteed to get over here?
I wasn’t even going to mention the ‘F’ word, but seeing as you have Graham 
If they’ve got any sense whatsoever, they won’t have any form of official sanctioned forum. We know what happens when banks set up forums, it’s not always pretty. Starling at least realised that.
Are they? There have been loads of large foreign banks which have tried to enter the UK domestic market and not done particularly well
Your could say the same thing about Marcus…
etc.
And all in all - summing up this thread (which I’m not) there’s every indication that no-one’s likely to go “Full-Chase” any time soon. 
I don’t think they do actually need those.
My list was meant to be my opinion of what they probably need to convince the average person that they genuinely are a full service bank.
A bit off topic, but I’ve always thought that going “full” anything was inadvisable.
And really it just descended into farce when people over on the Monzo community started arguing that the “commonly accepted” way to “go full Monzo” was to have, err, another bank account for branch access, cheques and cash.
Freetrade won’t let me withdraw to my single named e-money accounts for whatever reason
So that’s another quasi justification for trying this out alongside the soft search, given it’ll have a banking license
I do think people are right though. Can only see these being picked up by fin tech folks and those who don’t already use a fin tech to spend…
Don’t think so, really. I guess the account, not being fully formed, will be used as a testing ground - for payments, for example, until such time as it’s full beauty hoves into view.
(I know - O Level English Grade 1 - oh yes 
).
I understand. It’s just my opinion that customers would expect support for joint accounts and a savings offer if they want to be considered a “full service” bank in this country.
They will, at some point, have Nutmeg integration to take care of that.
Joint accounts aren’t a priority probably, but I agree that they will need them eventually.
Basically, my list is “if they don’t have this within a year, they’ve failed”. So we will see.
I wouldn’t be surprised if joint accounts take a while longer.
Without Direct Debits, you couldn’t tbf
That’s interesting - I wouldn’t have imagined they would have sent out codes already? If they’re sending them out on the basis of who’s signed up first then fingers crossed I will be soon.
