I've been paying my wages in for about a year now.

Its been a flawless experience and I'll never look back.

From a technical perspective I think it could be easy to believe that because they're a startup your money is in someway less safe, or the service less reliable.

But I actually think that because of the sheer technical debt old banks struggle with (they're ticking time bombs on the inside) the opposite might be true.

Technically, as a workaround, you can create a monzo.me link and then make payments of up to £100 to yourself.

Nice hack, thanks!

Wonder if they considered offloading the transaction fees onto users. I'd certainly pay for the convenience and would have continued using Monzo (Barclays copied the card freeze and atm locking so no need for Monzo, esp. with this).

Other banks don't offer that (top ups via card), and I don't think it's something you should expect of a bank account - it was always a stop-gap. If you're using it for spending regularly and don't want to switch, just set up a standing order for a bit of money each week/month to try it out. I think as they want to become a bank this is part of that process - their focus needs to be on those who use it as their main account.

Personally I switched almost a year ago (when they introduced CA), and am happy with that choice so far - kept my old bank just in case but haven't needed it. Re outages many banks have had major outages recently, far more than Monzo... They had a few glitches early on (late last year), but I'm fairly confident of their ability to scale now.

It indeed isn't a common feature of bank accounts.

However it is a feature that Monzo had, which was easy to use and they got rid of it (IIRC due to the costs of providing it), which decreased usability, which I think was the original point the poster made...

It didn't decrease usability at all for those who use it as a bank account. It's certainly not a good prepaid card account but there are plenty of those.

True. And that's also the endgoal of Monzo: to be your main bank.

indeed. But Monzo is better than most (all?) banks and this is what people used to top up their cards before they removed the feature.