Only if you have access to insider information ā¦
But if you spot something off your own back then fire away 
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Been confirmed that you need to have signed up prior to today to be eligible to invest
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I absolutely love how Monzo are going about this, and I think offering it in-app is a touch of genius which could be a bit of a gamechanger (maybe being a little unfair to Brewdog who let you buy shares in their bars)
I now hold crowd-funded shares in 4 companies and thereās something about it that makes an instant evangelist out of you. Iām not exactly sure why, Iām guessing in part I believed in all 4 from the start, but owning even a small part just gives you this will to see those companies succeed.
I now only sell gig tickets on Twickets, always get excited when I see Fivepoints on at a bar and, well Freetrade and Monzo I never stop telling people aboutā¦
Monzoās about to give (tens of) thousands of people that feeling, create an army of company advocates and massively increase the banksā exposure with news articles etc. Oh and theyāre going to get Ā£20m for it too!
Very, very cool. Canāt wait for FTās turn 
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Is it going to be possible to invest In the monzo round CIA the Crowdcube app, or only through the Monzo app?
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Only in the Monzo app. Theoretically if itās not fully funded it goes to crowdcube but I think thatāll be for the VC not ordinary investors
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Iām not a user or investor in Monzo, but does anyone know why they are having another crowdfunding round? I read that theyāve raised significant amounts from venture capitalists, so whatās the advantage of going the crowd funding route through existing users?
My initial thought is that theyāre trying to ālockā people into their product, competition is likely to get fiercer as the major banks wake up and start investing in their digital services, plus thereās more and more challenger banks appearing. If a user āownsā part of Monzo, I feel theyāre more likely not to switch away (think sunk cost falicy), even if other services are better or are more attractive.
I know that Monzo lost about Ā£30m last year, and people arenāt expecting them to be profitable for another few years, so perhaps this Ā£20m round is just to provide a bit more liquidity? I donāt know, but would be interested in hearing other peopleās thoughts!
To reward the people who use them and want to invest in them. So many want to invest and they have huge growth plans. Doubt it will make anyone feel tied in, I bought shares in Barclays and my brand loyalty didnāt increase.
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Thanks for the picture, really interesting to see the breakdown! Is there any explanation behind the 4% expenses? I know that Crowdcube is about 8%, so thatās a decent saving in itself!
Itās all being done in app with money available in the account so thereās no card fees to consider. Havenāt seen any explanation but thatās the best idea Iāve come up with
Most of it is probably due to Stripe fees.
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No 1.5% fee for the investor
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This oneās becoming table stakes. But theyāre behind by like 2yrs so I donāt think Monzo have too much to fear.
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Theyāre playing catch up and introducing features that the neobanks have, while Monzo et al are still pushing forward with new things. Thereās no innovation from the legacy banks.
The pots feature had been used by another bank before (Lloyds if I recall). They canāt call them Pots though because Monzo have trademarked it 
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Lloyds has been innovating, they were the first to offer Save The ChangeĀ® from what I recall.
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Yeah, since 2013 if memory serves
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I think it was 2006 or 2007, it was long time ago
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Bloody hell, I obviously caught on a bit late
Round 1,2,3 investor in Monzo here - really impressed with everything that Monzo have done with our investments over the years and can only see this continuing so Iāll be investing again in R4!
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Are you fully loaded in all 3? I only ask (not being nosy) because that would put you in the region of about 3,400 shares for the princely sum of Ā£3,000.
This round if you fully load it will cost Ā£2,000 but give you less than 8% more shares. Im interested to know if you think increasing your stake by 66% is worth it for only 7ish% increase?
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