I think Starling and Monzo have got very different business models. Starling seem to be focusing more on the business side and personal customers kinda gets stuff as and when while Monzo have been the other and are now playing a bit of catchup on the business side.
I remember Monzo going through their massive development list in a very short amount of time to please the people.
The original Black card - now labelled Legacy Black attracted higher cash back. That plus a nice wallet cost at the time £50. Those cash-back benefits remain. But there’ll be no further extension of benefits for those who remain with that card. Effectively in a cul-de-sac.
There’s a new Black card. That will attract new benefits packages (which are yet to clarified) but will be subject to subscription.
The Blue card remains with lower cash-back but it WILL benefit from some future benefits (such as Apple Pay and Google-Pay which are currently being explored). Not a subscription service.
A two-tier service with a third (Legacy) effectively parked.
I paid the £50 for what is now the Black Legacy cars. Interestingly I had email today saying their extending my free trial of New Black and are figuring a way out to give Legacy Black customers New Black for free for life based on the feedback received.
There was no subscription previously, when they came up with it they gave all legacy a free trial to try and win them over with the option to be grandfathered on the legacy scheme should they not take up the trial.