Just a thought, but is the āMove Moneyā option on the account cards driven by research?
Itās one of the most least functions I access, yet has such a prominent position. Personally I would prefer to see āPaymentsā which I think is one of my most used functionsā¦
This is fantastic on multiple levels! Firstly, itās a thoughtful rethinking of Monzo as it is in 2022, not as it was in 2016. Brilliant. I know youāre still working on improvements but this is immediately better and seems like a great foundation to build on. Secondly, itās great to see the use of Labs and community involvement. Really loving this. (And appreciate itās happened with the Mortgage feature too!)
My initial thought is that this overview reduces a lot of friction and makes it quicker to find the information I want or jump to what I need to do (transfer, view transaction detail, etc) without jumping about between accounts and lots of taps. Two things that Iād like to see:
Ability to reorder sections (I realise this is already planned).
Ability to specify a longer transaction feed. Opening straight to the transaction feed is one of the things I love about Monzo, as most of the time thatās what I want to see without having to tap around. So in my ideal Iād put the list of transactions at the top with 6ā8 transactions showing.
Other than that Iām looking forward to leaving the Overview on and seeing what itās like to live with day-to-day. Thanks for everyoneās great work!
Some additional thoughts.
upgrade button i like this. But, if you go to plus it turns to a star instead which seems unnecessary.
parcel would love to know how many signups this actually drives. Itās in the way in my humble opinion.
account āslider Please consider being able to horizontally swipe between accounts, itās one of the things I love most about the card UI. I was expecting to be able to switch between personal and business.
Also, in First Direct (and I appreciate this is an iOS specific thing) you can long press and do quick actions such as view statements etc. I think it could be a good thing to do here.
Iām not sure what value the āaccounts and potsā text has. Surely that is self explanatory.
add button feels a little out of place here, but I appreciate these options probably have to go somewhere.
add money still feels like a pre-paid card to me. Consider move money
Other comments around hiding pots and moving things around sound cool. As do the insights you referred to sooner.
Also, please bring back some kind of left to
Spend bar to show how much of your budget is left. Would be really cool!
What transactions does the āsee allā feed show? I only see main card transactions and not any virtual card/flex/pot transactions. I know connected account transactions are āenvisagedā but wasnāt sure what Monzo account transactions are currently in this feed.
This is great work. What a great couple days itās been (and Iāve not got all of the features yet)! Iām no Peter G so my feedback will be in bits and bobs.
Okay, Iāve recovered from All The Good Things, the internet is back on and Iām out of the darkened room.
So hereās the post youāve been dreading / waiting for. Buckle in, itāll be a long one!
Firstly this is amazing. Excellent transparency and working in the open, but the product is beautiful, shows such promise, and I love the direction youāre going in. As @jzw95 says, itās clear that this is a thoughtful and considered rethinking on Monzo in 2022.
Well done to everyone involved. Itās really great. Monzo really has its mojo back and engine running.
So, my thoughts and feedback! In no particular order:
1. Itās pretty snappy at loading, but I get this a lot in the top left:
(alt text: updating spinner from the top left of the screen).
My app is pretty slow generally (mostly in swiping through Trends and sometimes a couple of seconds delay in adding transactions to the feed) so I donāt know if itās a this screen thing, or a general Monzo app thing (I fear I might be one of the heaviest users so might be experiencing an early slow-down due to volume of data).
2. I really like the overall design - the settings, referrals and edit buttons look much better in this design. Itās super nice.
3. āAccounts & Potsā - I kinda agree that the headline isnāt needed. But also (nitpicking time) the alignment feels off. The text is aligned with the āmonzoā in the cards below, whereas I feel like it ought to be to the left edge of the card. Itās disproportionately bugging me. 
4. I love the Add Buttonā¦ ā¦but itās confused me a bit. I read it as adding accounts to the cards at the top (I have two, one for Flex one for Premium). I inititially thought that Iād be able to add in connected accounts here too, but selecting connected accounts here was to add them in the list below through the standard flow. Love the idea, though!
5. I also love the new ācardsā that arenāt cards. Getting rid of the skeuomorphic EMV cards was totally the right call. And the design here looks so so lovely (Iād actually like the navy Flex with small hot coral Eastenders as the physical card, but I digress). I kinda understand why you might want to divide Monzo from non-Monzo accounts, but Iād really like selected connected accounts up there, too. Either individually, or cards to represent groups (so my credit cards together, or my savings accounts). Iād also want (just one) pot up there (see below).
6. I might need to reprogramme myself, but I after tapping the Flex card to expand it, I keep wanting to tap it again to stack it again. In my head, a quick double tap would take me to Flex, a gap before the second tap would restack. I also keep trying to pull them down to separate them (or push them up to stack them).
7. I love the elipsis quick actions menu! But a few small things - the āFee-free allowancesā option takes us to a screen called āFees and allowancesā (which is probably the more correct name?). And that screen is missing cash deposit allowances (which is under a different āLimits and Allowancesā screen with other stuff in that you get to from the Manage tab in the old card carousel view).
8. Card details (in the quick actions menu) is counter-intuitive for me especially as you have Virtual Cards below. I know itās not been properly redesigned yet, but I kinda want to have one place for all of my cards (current account virtual, current account physical, Flex virtual, Flex physical 
). Or if I select it from the quick action menu on the current account card, to just have that same view filtered for that account.
9. I find myself wanting to see interest rates in the home screen. I know that Monzo Premium pays 1.5% (also: boo). And I just about remember the rate for connected accounts. Itād be good for the Monzo ones to self populate and be surfaced somewhere on this main screen (or two taps away max), and for me to be able to input the rate for connected accounts (and mortgages).
10. Strong agree that Add Money should be Move Money. This would be lovely if there was a little pop-up that lets us select the account/pot origin and destinations and move money directly from that screen. And a little shortcut for new payees, standing orders etc.
11. Separate sections for upcoming transactions and latest activity please 
By definition, future transactons arenāt really latest activity (cos they aināt happened yet, innit). So a new section for them would be swell (which would hopefully be much more powerful if we can ever create future transactions / have Monzo predict incoming moneys etc). And notifications (like āOverview enabled in Labsā) are still in this feed. Iād love a separate section for this, too, if we could. Perhaps the bell icon we saw in early designs for the card carousel layout that stored previous notifications?
12. And could latest activity be scrollable? This might break the design, but itād be kinda cool if it could vertically scroll the same way that pots horizontally scroll. If thatās not possible, think Iām in the camp of a couple more lines, or limit to current day/week/month transactions, maybe?
13. The pull-down gesture for the old design doesnāt work. I know youāve glued together the old and new designs, but it feels a bit weird to me to not be able to do that. Could it at least take us back to the new Overview screen? The Home button doesnāt take us there 
14. Back to the cards up top, can we have āPREMIUMā under Monzo for the current account - the same way we have āFLEXā under the wordmark for that product? I just think itād look neatā¦ Only for Premium customers, though (obvs).
15. Can we tap on the sort code and account number to copy them? Iāve tried to do that a few timesā¦
16. Flex really needs a feed! I know Iāve been banging on about that for a bit, but this design really exposes the lack of one. (At the risk of being boring and repetitious, I think there are actually two products - a Monzo credit card (the Flex virtual card) and the BNPL product (when you flex credit card or debit card transactions). But I digressā¦
17. I love the Pots horizontal scroller! But two things - one of my pots looks like itās stuck continually loading (circular loading icon on it). What gives?! And more importantly, Iād kinda like to promote my Bills Pot to the top cards. That way, the current account is my spending account, the Bills pot is my commited spend account. They feel equal and opposite in the way that other pots arenāt.
18. Iām not sure about the Other Accounts section. Itās nice, but it looks a bit like a copy/paste (which is totally understandable - this is a test after all!). Iād like to have the quick action elipsis on those accounts too (to get into the features that are in the blue āManageā and āRefreshā pills in the old view). Iām no designer, but Iād be happy to lose the skeuomorphic cards to make space on the right hand side next to the balance section. Maybe a smaller version of the logo instead?
20. And maybe could we break up āOther Accountsā into savings, credit and current accounts? That would work well with the Borrowing section below - and subtotals against each account type would be fab-u-lous!
21. Back up top, I keep thinking that latest transactions relate to the two cards under Accounts & Pots which they kinda do at the moment (more or less). But if they become a master feed, then I think the hierarchy might be off (it feels like a subset of the data of the accounts shown above at the moment).
22. Make āvirtual cardsā just ācardsā! Iāve said this already, but this would be lovely if it covered all physical and virtual cards issued by Monzo. I think itās just legacy reasons why theyāre separate - thereās no first principle reasons to split them, surely? Oh, and thereās a missing icon for (Virtual) cards - all other similar titles have one!
23. Can we have passive provision for net worth somewhere please? Nuff said
24. The space at the top (to the right of your avatar) needs a balanceā¦ Again I am not a designer but I wonder if thereās space for an additional widget up top that you could swipe through different balances to pick the one that works for you? They could be: a) net worth (everything added up), b) current account only (with or without pots), c) Budget (from Targets), d) Safe/Left/Free to Spend. The one you choose would then be the default for when you come back to the screen and, as you scroll up, pops up and sits in the space at the top to the right of your avatar. (I know Iāve described a solution rather than a need, but go with me, Iām tired!)
Phew, that was quite the post.
But again, this is really excellent work. I was rereading some of my posts from the beginning of the year where I was critical of Monzoās delivery pace and quality. No longer. This (and mortgage cards / Trends) are really top-notch and world class. Long may it continue!
PS Thanks for sticking with this epic post. Wait for the inevitable follow-up where I change my mind or realise Iāve missed something!
Potential bug alert 
On iOS - scroll to a transaction in the feed, you get a brief glimpse of the overview screen (as a screenshot shows) and the back button takes you to the overview not the transaction feed.
Monzo really need to pay you for these posts
I fear that that would mean that a) the quality of my posts would need definite improvement, and b) then they wouldnāt be able to file them in the ārantings of an idiotā category
(But thank you. Very kind).
Does that pot have a goal? If so itās meant to show you how close are to it
Mega doh
(All the thank yous )
Why havenāt we had a flash poll?!
0 voters
I have to say, seeing this level of interaction on the forum from Monzo is super nice. I did think we were past those days (understandably, given scale of growth).
Looking forward to seeing how this iterates over time, thereās some real potential here.
Hereās a thought. Imagine thatā¦
ā¦ can the bottom tabs go bye bye?
0 voters
donāt take my home button away!
I voted āYesā¦ā, but thereās still that pesky Plus/Premium nav tab at the centre of the bottom nav bar.
Oh, assume thatās been nuked. Anything thatās not got a home is found one from the new homescreenā¦
In other news, if anyone with joint or business accounts, or a Monzo loan, wants to show us what those look like in the new design, Iād be terribly grateful!
Itās the same with the pill design just in grey. I havenāt used my business account yet so not much else to tell.
