I only have the one chase account. Will keep the joint Monzo account that I have with my wife. Will not use my personal Monzo account. This way, I get the separation of concerns.
As for Monzoās budgeting features - Iāve heard people speak of them, but Iām not aware of how to use use them or find them. I do allocate money to pots - itās more convenient than throwing the money into a separate bank accountā¦ however, now that savings accounts are starting to pay I might move the money there.
I also have spreadsheets for everything - a long history of spreadsheets.
Just to add to this, it isnāt great. Too much information is compressed into too little space. Mixing the accounts together like this is not a good idea. Revert. Try a different design, ship that. Pleaseā¦
Regarding a lot more taps to do the same workflow: Isnāt it only one more tap to look at things on a per account basis? Once you enter the card carousel (one tap) canāt you swipe left/right between accounts instead of doing the double tap home icon thing (I didnāt even know that was possible!).
Regarding the combined activity feed on the new home screen: I think there are people who like this feature so I suspect Monzo wonāt remove it or split it it up. But perhaps they could give people the option to hide it via the edit layout options. As long as the card carousel remains (or something like it) a combined activity feed doesnāt seem like an essential feature to me.
To be honest I like that the feed combines my personal and joint transactions. I also got the Flex transactions being included yesterday which I love and have been waiting for.
I prefer to use it as an āat a glanceā type feed. I can see everything going out and in across all the Monzo accounts at the once. Then if I need the granularity of specific accounts I know I can select the card and see just that accounts transactions. Or if I want to check what Iām spending money on I use the target tab of trends and that pulls information from the Personal, Joint and Flex accounts together with another two other accounts (RBS) that I have showing in Monzo.
The single Pots view is the most annoying for me. Yes, itās better than it was - two totals at the top, a slightly better indication on each pot as to whether itās personal or joint, and the ability to view as a list not a carousel. But for me, personal and joint pots should still be two separate lists. Oneās āmineā. The otherās āoursā.
When I create a new personal pot it appears right at the bottom of the whole list. Yes I can go in and drag it above our joint pots but thatās a pain.
And to mark the separation between personal and joint pots, rather than making all the images one colour for each Iāve ended up doing this:
I assume that āPersonalā and āJointā only appear if you have both accounts. Previously it was a single- or double-headed silhouette. But despite that marker I still prefer something more obvious as the demarcation between the two sets (even though Iām using a pot to mark it).
The fact that Revels is colouring his pot images and Iām doing this, IMO just emphasises the fact that there should be two separate sections.
If the list is merged, then people who want it merged can shuffle them however they want to, and people who do NOT want it merged can sort personal first, joint second, possibly with a dummy separator pot, as shown above - you could call one something like ā-------------ā I would guess. You can also recolour your icons if you choose, but itās optional.
If the list is NOT merged, there are zero workarounds to help the people who would like to see their personal and joint bills pots together, followed by their personal and joint saving, etc.
So whichever way you feel is ārightā, the merged list allows you to at least approximate it. Separated lists take that away.
Either way, we shouldnāt need to be looking for āworkaroundsā. A simple toggle on the pots section menu labelled āSplit by accountā or similar would solve it.
One pattern Iām noticing here isnāt actually a huge distaste for the combined feed, but more a distaste for the combined personal & joint accounts. Some love it, some hate it, and for what its worth I totally understand both sides.. (#teamcombine)
The only logically way I see this getting resolved is having a toggle, where each person connected to the joint account will get an option to either merge them or have it work the same way it does when you switch to your business account.
Side note, we really need a pot image generator in-app, similar to the the tool somebody created, it would be a huge win UX wise!
Also..
Absolutely killing it with the pot layout! Now Iām curious what pots are for what
Like this, you access this menu by tapping your profile picture. Youāll have to excuse the redaction, Iām awaiting payday and I wasnāt about to expose myself after a heavy month
(would love the ability to swipe between them tbh)
2 Likes
davidwalton
(Award Winning Hot Coral Analyst)
1793
When you enter the business account, is your Trends and Payments tab different from the Personal account, or is it only the Home tab thatās different?
I also got the Flex transactions being included yesterday which I love and have been waiting for.
