Avios invests in online banking app Monese – what is its plan?

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• Frenske says:

  13 Dec13 December 14:39

  On Monese website: “The process of opening a basic bank account with a highstreet bank can require long documentation and involve face to face appointments. The Monese app will enable you to open a fully-featured UK current account instantly on your mobile, without credit checks and without waiting.”

  Basically Monese is openly advertising for criminals to open an account with them! 😀

  • Callum says:

    13 Dec13 December 17:48

    No it’s not. They still do ID verification, address verification and fraud checks – just much, much quicker than other banks.

    • Lost says:

      14 Dec14 December 08:52

      However the bar on the checks is much lower than any other banking outfit (especially high street banks). As long as you show a valid passport + visa and give a plausible sounding reason during a video call you pass the address check (ie staying with family, partner etc) even if you don’t have any other footprint at the address.
      I’m not saying that isn’t very useful for some legitimate people who want a basic account in the UK but can’t provide a rental lease, utility bills etc because they are staying with family. It’s difficult to set up mobile phone contracts etc without a UK back account.
      Other banks know this and so don’t accept Moneze statements as a proof of address.

      • Callum says:

        14 Dec14 December 15:53

        While I have no idea whether banks accept their statements as proof of address, my understanding is that Monese do check your address. It doesn’t have to be your current address, but they check numerous EU records to find you listed at a previous one. Are you saying they still approve it if they can’t verify it?

        Regardless, I don’t quite get how knowing an address makes it any more secure?

• Teteto says:

  13 Dec13 December 14:41

  Can anyone recommend the best Priority Pass lounge in Johannesburg International? Have a few hours to kill and dont know which one is the best.

  Much appreciated!

  • Craig says:

    13 Dec13 December 17:34

    +1

• Kayleigh says:

  13 Dec13 December 15:17

  OT. I’m trying to get 25,000 avios from my husbands BAEC account into mine. I don’t really want to set up a household account as I have some Iberia points that I need to transfer in in Jan which I understand is difficult with a household account, even more so now the Avios website is no more.
  He has had a look online and it looks like it’s going to cost £175 to do this! I’m sure I’ve read that you can do this for free to your spouse but can find this info now. Any tips on how we can do this for free?
  Any advice greatly appreciated!

  • Anna says:

    13 Dec13 December 15:52

    What and when do you want the avios for? There might be a couple of ways around this but it depends on when you need to do it all!

    • Kayleigh says:

      13 Dec13 December 16:27

      Hi Anna,
      I’m looking to book outbound NCL to HKG this weekend when flights are released, but I have enough points in my account to do this. The return trip (open jaw) in early Jan 2020 I would look to book as soon as the reward flight availability became available (BKK-NCL) as business looks hard to come by on this route! So this would in about a months time.
      Many thanks 🙂

      • Anna says:

        13 Dec13 December 19:01

        If you don’t want to use Shoestring’s method, could you transfer the Iberia points in early then create a HHA afterwards to be able to use your husband’s avios?

        Though if you only need 25,000 to get a return CW trip to the Far East, it might even be worth buying them with the current BA offer which expires on Sunday. It would be an even better deal if you were working towards a sign up bonus or 2 4 1/upgrade voucher!

  • Kayleigh says:

    16 Dec16 December 12:54

    Thanks Shoestring. I’ll give it a go!
    Bought the first leg this morning NCL – HKG. Was hoping for Business but they had First availability. With a bit of a reshuffle of all our points programmes, a little time to earn the final ones we need for our return leg, and £79 for 6000 avios on the BA offer I think it’s well worth the upgrade.
    This will be the first time we have travelled in anything but economy so cannot wait to try it out.

• Voltron says:

  13 Dec13 December 15:24

  OT – Anybody else getting fed up of chasing nectar for missing bonus points. I’ve had numerous offers not redeeming and need to use chat to get them, starting to make me wonder to just drop using the nectar app and only buying things when I need to and not go out of my way for these offers.
  Applied for the life insurance bonus 14,000 nectar points and such a hassle to claim. Time is better spent elsewhere.

  • Robman says:

    13 Dec13 December 15:53

    O/T
    I have an Iberia flight booked by redeeming points earned from the recent Iberia 90k points promotion. Can anyone tell me, if I can no longer take these flights, am I able to change the flight dates rather than cancel and potentially lose the points?

    • Rob says:

      13 Dec13 December 16:21

      Changing dates shouldn’t be an issue as you keep the same booking reference which means no cancellation / rebook takes place.

  • Crafty says:

    17 Dec17 December 09:20

    I find claiming Nectar bonuses very easy through the online chat, but agree it is a pain having to track everything oneself.

• Tony says:

  13 Dec13 December 18:16

  O/T Has anyone been unfortunate enough to end up in the “Yotel” lounge in Charles De Gaulle T2E?
  As a one off, I’m travelling Flybe into Manchester so having to use the back up Priority Pass (normally travel BA with Silver card)

  It’s officially the worst lounge I’ve visited. That bad it’s almost funny… €10 credit to spend on crisps and chocolate. No alcohol. The only PP option at Terminal 2E!!

  • Tony says:

    13 Dec13 December 19:08

    My priority pass is via Amex platinum so thankfully hasn’t cost me a visit!

    • Sigmund Freud says:

      14 Dec14 December 02:55

      It’s funny how people think the additional benefits are ‘free’.

      #psychology

• VJ says:

  13 Dec13 December 18:30

  O/T – Oyster Topup (Considering a lot of you are doing this right now) – When does the topup applied at the shop appears on the card; It’s immediate or you have to make a journey.

  • JPa says:

    13 Dec13 December 18:51

    Immediate (but I did make a journey straight after).

  • Genghis says:

    14 Dec14 December 06:22

    Yep. Immediate.
    My advice: don’t over do it.

• Shoestring says:

  13 Dec13 December 19:23

  O/T check your BAEC points a/c? The compo Avios from the US class action on BA fuel surcharges are dropping into people’s a/cs. What seems odd – but good – is that people are getting the compo Avios even when they didn’t join the class action, it seems that you’re in unless you opt out! Provided you flew under the circumstances outlined in the class action, you should be in line to get the compo.

  • Anna says:

    13 Dec13 December 20:45

    I didn’t join but have received 12,598 today which I can’t think of any other explanation for! Seems a strange number though.

    • Shoestring says:

      13 Dec13 December 20:49

      Common compo multiples reported on FT seem to be 20,000, 12,500, 35,000.

      • Shoestring says:

        13 Dec13 December 21:04

        Anna did you drill down to see the longer explanation of where those points came from?

      • Anna says:

        14 Dec14 December 06:26

        All it says is “Avios – Collected from Avios programme activity”, which is why I thought it was something to do with the Lloyds card. I transferred all my avios out of avios.com before my account closed.

        Can anyone remember the date by which the bonus Tesco avios were supposed to appear?!

• Shoestring says:

  13 Dec13 December 19:30

  My 384 bonus Avios for the Tesco 20% promo have dropped into the a/c. I wasn’t targeted for anything larger than the minimum transfer, unfortunately – but as I said at the time, this one was open to everybody.

  • Anna says:

    13 Dec13 December 20:44

    My 1000 extra avios for converting Clubcard vouchers haven’t landed yet.

    • Sarah says:

      13 Dec13 December 22:27

      I’ve not got 1000 bonus from Tesco for concerting to Avios either. Does anyone else have them and how long does it take?

      • Shoestring says:

        13 Dec13 December 22:40

        Bugger. Sounds like I could have got 20% on everything I converted.

        You’re right – it was meant to be 1000, not 384.

    • FlyUpTop says:

      14 Dec14 December 07:05

      Same here.

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