Great spot! We basically re-built the feed so that’s why it looks slightly different (and why it took us a while!) 
.
It sets us up well to continuously improve this feature though! And I’ll feed back the styling differences to the team.
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like what you did there 
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Not sure if the connected accounts provide enough information for this, but it would be super useful to be able to add the account to ‘Payees’ from here. This would make it really easy to quickly transfer money to the account, for example to pay of credit cards
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Sounds good! Look forward to seeing what else you have planned 
I wonder if the slight inconsistency will also impact the forthcoming pot feeds 
Okay interesting…
That definitely makes sense.
- Is it possible to transaction match instead of balance match? So just add X every time a transaction hits, or Y every time you refresh (Y being the balance of all transactions since last refresh)?
- I guess this also allows you to manually add/remove too (helpful with
below) as you match the transaction, add it, then leave it. And that way the pot won’t just undo any manual addition/subtractions a user makes. Appreciate this is moot if transaction matching isn’t possible.
I’m seeing two main options there.
- The first is that you transaction match as above, and if someone doesn’t want to pay off whole balance, they can just take some back out the pot? (Again, dependent on answers to above)
- The second is that you could put a limit on the pot, and it won’t fill up past that limit. I suppose the UI/UX could be slightly similar to pot goals in this respect?
- I think outside of that, as you allude to, that’s such a personal decision which might be changing on a very frequent basis depending on one’s individual circumstances that it perhaps isn’t fixable in another way.
Appreciate there must be lots of edge cases etc to deal with too. Nice to see some of your thinking though! And sorry if what I’m saying is blindingly obvious and already been worked through.
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Potentially this could work in reverse too (although could be achieved with manual movements) because I like to pay off a minimum of £100 a month, PLUS what I’ve spent during the month to get the balance down.
Definitely an edge case though and it sounds complicated enough without me throwing my hat in the ring (there’s a reason I work in operations and not engineering 
)
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Personally I’m not that interested in moving money around to cover my credit card bill as I will have done that prior to spending. 
What I would really like is the option to select my credit card bill and choose to pay, in full, or in part and specify the source of the money, whether that is my personal, joint account, a pot or an external account (such as starling 
).
Any chance this will become a reality?
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I wouldn’t want to automatically transfer money from my current account to my credit card pot when I make a purchase, as often the money I will be using to pay for it is in one of my many pots already.
I would like however to get a notification when a new credit card transaction is detected, asking me if I’d like to transfer the transaction value from my current account (or another pot) to the credit card pot with a click of a button. I think I’d find that useful instead of doing it fully manually like I do now.
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I’m loving your work! 
A few thoughts:
-
I love the Summary date picker, but I’d love to be able to select multiple months - or even select a custom date range. Calendar months doesn’t quite cut it for me. (Although I’d like to compare spend across months or other periods!)
-
Can we have notes and receipts please?
I’m a heavy user for the Monzo account and I need them! -
Similarly, could we get the same transaction history options (number of payments, average spent etc) from the main current account? Tapping to see a filtered list is amazingly useful.
On the credit card pot point, I wonder if there’s something that could be done short of full automation? Perhaps if there was an option on the transaction screen to move the amount of that transaction to a pot or account? So if I have a £35 transaction on my credit card, I could tap it and move £35 from my current account to the pot I pay my credit card from. Or, if I’m managing money differently, use that £35 from my eating out takeaway pot to directly pay my credit card?
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I’ve thought about this a fair bit, as I had an idea a couple of years ago to try and rig up a Python script to do this with the Monzo API. There are so many settings etc that make it really difficult (EG I want all my daily spend to be assigned to a pot straight away, but then I buy a laptop that I don’t have the liquid cash for right now, so exclude that transaction etc).
Have you guys thought about adding a button to the transactions in the Connected Account Feed? Something like Add this amount to <Pot>?
Or to come at it from the other way, create a linked ‘Credit Card’ pot, which when you try and add funds to it prefills the amount to add with connected_card_balance - current_pot_balance.
Trying to automate this stuff sounds like a nightmare, honestly!
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You could probably fudge it with IFTTT, get the total for that day and then at 23:55, it moves it back/out/around.
You’d need Plus/Premium though so that you have the live updating sheet.
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Oh one other thing:
Can we please have a way of bulk changing categories? It’s so so so so so so so so so…
… so so so so so so so…
… painful right now.
(Still loving your work )
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Personally I don’t use credit cards for day to day spending (due to not having the view of spending like in monzo so maybe with the new connected accounts I might change that). But that aside if I did, I would have one card for day to day and a separate 0% card for spending like a laptop etc, which would avoid this.
starts researching credit cards
A few other thoughts:
- It’d be great to bring goals to connected accounts!
- Imagine if you had a goal on a connected savings account. You put in what you want to get to and by when - and Monzo suggests a regular standing order you could set up with just one tap!
- Similarly, entering promotional end dates for connected credit cards - and having Monzo set up a repayment scheme before that ends would be amazing. Or even just warning you before the promotional period expires!
And, to go back to the credit card chat, how about another halfway house for credit cards:
- A Bills Pot that has the goal automatically updated to be whatever the current balance of your credit card(s) is? (I currently do this manually, but to do it automagically would be amazing).
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I notice you can do an easy payment with Tesco Bank but Tesco Bank does not appear in the list of connected accounts. Be great if that could be ‘switched on’ *
*I know it’s probably not that simple
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Is anyone else having an issue with the App crashing when you scroll to your first connected account? Happens every time for me, I’m running the latest iOS and Monzo.
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Yep I’ve been having this issue intermittently recently. (iOS too).
Tom - any timelines on a unified budget view. I got super excited to connect my HSBC Credit Card, did my categories by transaction, and then was a bit disappointed that there was no unified budget view with the core Monzo account :(.
To not have a full budget view sort of defeats the purpose - I don’t budget by card.
PS I love the service!
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As long as it can be turned off. I don’t want what I spend on my other accounts/cards having an affect on my Monzo budgets/categories.
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Fair enough and good point should be able to toggle it on and off. I see both use cases as equally important.
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