I was part of that debate and questioned the full Monzo thing at the time. I don’t need to prove anything 
It’s all very obvious and straightforward. If you believe someone who has their salary paid into Monzo and then immediately transfers it all elsewhere is full Monzo that is fine but I don’t which is all I said at the time.
They make money from people spending on their debit cards, holding money in their accounts and borrowing.
Perhaps in your echo chamber, everyone does believe that.
Doesn’t mean it’s true though. The same source of the data being use to paint the picture of doom you shared above is evidence that historically it’s not true.
Net gains for Q3 2019: 13k (double Starling’s)
Net gains for Q4 2019: 21k (triple Starling’s)
Net gains for Q1 2020: 20k (double Starling’s)
This is where Starling started to balloon on the back of Covid loans.
Net gains for Q2 2020: 19k (4K more than Starling)
Net gains for Q3 2020: 11k (about the same as Starling)
Net gains for Q4 2020: 9k (3k less than Starling)
I get your point, but you’re still not backing it up with anything that suggests it could be true. It’s just a baseless claim until you do.
I suppose it depends how you define ‘Full Monzo’. I originally thought of myself as Full Monzo when I’d actually CASSed my previous current account and was using them as my main account which, for me, means having income paid in and regular bills paid out. It doesn’t include day-to-day spending on the debit card in my case.
Anyway, I’m going to leave it there. Too much brain stimulation for this time of the day both here and in the new app layout thread on the Monzo forum 
That’s helpful, @MikeZ , as it reminds us that full Monzo is a subjective tag and probably had more value as a rallying call in the early days of Monzo’s community.
Let’s all take it as a topic nicely aired shall we? 
I just thought at the the time it was bizarre that people were celebrating being full monzo, making Monzo no money and people were cheering it on🤷
They’re a hypergrowth tech startup.
Achieving millions of this
At the expense of a lot of this
Is kinda the whole point, and is a non-problem in a world absent a global pandemic.
Hyperbole isn’t a fact, so you’ve asked for evidence of an opinion. Last I checked opinions held in good faith aren’t something that we need resolute proof of?
So, forgive me but, everyone’s had a fair shake on this subject. Nobody wants boring thread and that’s where this was going. Take pause, please.
I know it’s subjective, but the Starling app blows most banking apps out of the water! (IMHO)
I wouldn’t go as far to say it tired; I was never particularly impressed.
It’s more a case that the others have almost caught up and they’ve barely innovated.
I used my Chase account on a recent trip to the US - 1% back on everything unlike 0% with Starling/ Monzo, free use of plentiful Chase ATMs (round the corner from my hotel) which would have cost me $5 a pop with Starling/ more with Monzo plus a few quid credit interest at 1% vrs 0.05% with Starling and 0% with Monzo.
Don’t get me wrong, 18 months ago, I’d have agreed with you 100%. It’s just Starling’s app just hasn’t progressed enough for me personally and I found it boring and stale. It’s the pie chart, I just can’t see the need for it anymore. I never used any of Starling’s budgeting tool stuff because I just don’t need to. I never even looked at their Marketplace stuff. Cheque cashing, handy but getting a cheque is literally a once in a 3 to 5 year event for me. But it’s too late, I’ve moved on.
And then Chase came along and it just seems more refreshing to use for me personally.
The TSB App is miles behind but even that doesn’t rile me 
Starling could also use an in-house app rationalisation employee who makes sure that stupid things don’t end up happening
Like the spaces. Why’d they do that? They look worse now. I’m not too sure about the settings either
So anyway…. Can we pull this thread back to topic please?
I don’t know what it is in particular, but I’ve never really liked the app interface for Monzo.
But that said, I’ve got a new interface for the business account which does seem a lot nicer.
Edit - stand corrected, it’s the same on my personal account now too.
They’ve been building it and testing it for a while. The public rollout started about a month ago I think. I don’t think it’s quite ready for prime time yet, it’s still unfinished. But the engagement with it on the Monzo community has been nothing short of fantastic.
I think it’s a much better interface, but the early sentiment so far from those onboarded into it with no way back is mixed. They probably do it a disservice by doing that before it’s finished, because what is finished is a really rather good user experience that’s leaps and bounds above what it replaces.
I suspect some kind of deadline for some other investments product/feature launch is rushing things along though.
Oop, maybe I should sign back up. It’s pretty
It’s really good in my opinion and you can edit features if it well. The new flex refresh screen is good as well.
New space for education about money management and everything you can do with Monzo.
I don’t think I’ve seen this yet