Consider this a plea/prayer to the Monzo gods (or to @bruno)
This morning I decided that I was going to stop relying on Summary and use bill pots properly.
I set up my bill pot. All good. I’m on Android, so I reorder my pots. No problems.
I then add my direct debits to a pot. The select DD screen doesn’t have my new order for pots. But I can live with this. The “you’re good to go” confirmation splash screen is annoying. And I might like to do this in bulk. But so far so good.
I’m now at the stage where I want to schedule money to go into my bill pot. But first I need to know how much. First bit of feedback: I really need to see the predicated total of all DDs assigned to a pot. I can’t, so I flip to my calculator app and laboriously add it all up.
I then go to create a scheduled payment. I copy the number from the calculator and go to paste it into the pots transfer screen. Second bit of feedback: you can’t paste numbers into this screen. So I type it in. No biggy.
set scheduled deposit at the bottom. Nothing happens. Then the amount I’d typed in changes. But the button looks like it works now. I change the number back. Doesn’t work. Number changes. Then I work out that your can only schedule a deposit for the total amount that you have in your current account today (plus the value of any overdraft). This is illogical - I’m setting this up for just after payday where I will have more money. Third bit of feedback: allow scheduled pot transfers of any value.
So I decide to set up individual transfers of the value of each bill into the pot. I think that might be better anyway because then I can see what’s what and change one if the amount changes. I start doing this and select the 31st March for the transfer. Then I remember why I didn’t do this last month. Fourth bit of feedback: you can’t schedule a payment for the last day of the month of the month has less than 31 days. That’s annoying.
I plough on. Then I realise that I’ve made a mistake on one of the values. Never mind, says me, I’ll change it. Pop to the payments tab. I can see it there but the only option is to cancel it. Ah yes: fifth bit of feedback: pot transfers and external transfers have different interfaces and different locations. It’s confusing. And I can’t edit it anywhere. Sixth bit of feedback: you can’t edit pot transfers, only cancel them.
By this time I’m wondering if this is worth it and what Anne (of Starling Bank fame) was on about a few months ago when she was teasing a better way to segregate bills and spending money.
I plough on regardless.
I get to my mortgage. It’s a big payment and I’m overpaying it at the moment. I’ve also just moved some money to savings so my account is running on fumes. This means that for this one payment I don’t have enough money in my account cover my mortgage now. But that’s okay as this is a scheduled payment for when I will have the money. But no. Monzo says no. Let’s go back to the third bit of feedback: allow pot transfers of any value. I mean, this is just silly. I’m now having to create a number of scheduled pot transfers to add up to the value of one transfer, which is actually one of many transfers because this screen isn’t really designed for a current account and is a hang over from spending card days when it kinda made sense. But I digress.
Anyway, you’ll be pleased to know that I finished up with only making one accidental pot transfer for today, only having to delete two transfers because I got something wrong. And that I had a lovely bit of bacon on toast as a consolidation present afterwards.
So, Monzo gods (or Bruno), hear my prayer:
Can we please stop treating pot transfers and external payments differently from a UI perspective?
Can we get rid of arbitrary limits for scheduled pot transfers based on today’s balance when all it does is create frustration and has no utility for anyone?
Can we have better options to schedule payments, please? An explicit “last day of the month” would be a good start. An “after salary has been received” (or
after £x amount from payee y) would be an even better one
But maybe, just maybe, we could avoid all of this by automating this workflow somehow?
If you must, give me advanced rules based payments as part of Plus. The rest of it feels like an eating your vegetables thing, though.
Thank you Monzo gods (and Bruno).