# Big Poll - the Monzo Community's 2021 Wish-list! **URL:** \ **Category:** Monzo Chat\ **Created:** [19 January 2021 18:45 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070 "2021-01-19T18:45:37Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [19 January 2021 18:45 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/1 "2021-01-19T18:45:37Z")
We haven’t had a **big poll** for a while! So [while we’re predicting what we think will happen in 2021](https://community.monzo.com/t/monzo-and-fintech-in-2021-predictions/111929/15) and [chatting about what we hope Monzo will deliver](https://community.monzo.com/t/monzo-in-2021-wish-list/111930), I thought it’s time for, yes, that’s right, a **big poll**! Usual caveats apply: this isn’t endorsed by Monzo and they may or may not action any of these ideas (or, sadly, even read them). But let’s still give it a go! The question is… …what would you like to see from Monzo in 2021? _Poll ([view on site](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/1))_ I’ve left off fixing the payments tab - and all the good stuff about payments in general - because @kavi is on it. In Kavi we trust! 🙇‍♂️ And - big change for this big poll - I’ve killed off the FitBit Pay option 😱. After Google acquired FitBit, it felt like it was the best thing to do. Don’t @ me! Voting closes end of February. No storming my Capitol if you don’t like the results. **Ready, set, poll!** ---
**Author:** ![Anarchist](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/anarchist/32/27895_2.png) [@Anarchist](https://community.monzo.com/u/Anarchist)\ **Post date:** [19 January 2021 18:58 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/2 "2021-01-19T18:58:15Z")
Looking at that list, there’s an awful lot missing from Monzo! Must be five years work there. ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [19 January 2021 19:06 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/3 "2021-01-19T19:06:18Z")
> [@Anarchist](#): > > there’s an awful lot missing from Monzo! Must be five years work there. Strange you say that, as I was going through to see what to put on the list I thought that the candidates were smaller than in previous years! I have no insight, but I think they could do quite a few this year if they put their mind to it (anyone remember the [Big List](https://community.monzo.com/t/making-monzo-better-the-big-list/38450)). I think there are three categories of stuff: - Big software changes (e.g. overhauling budgets) - these will take a few months, at least. - Small software changes (e.g. view CVV in app) - these are probably quick but get caught up in ‘compliance’ (or something banky) - New integrations or functions that need external attention (e.g. cheque imaging or investment providers in the app) - these will require lots of lead time, lots more money and lots more dependencies on others. If I were Monzo I’d pick two or three of the top group, a whole bunch of the second, and one or two of the last. Then sequence, focus, and run _hard_ at them… ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/125134_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [19 January 2021 19:31 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/4 "2021-01-19T19:31:20Z")
I would like Monzo to take some of Emma’s aspects. Emma feels a little more like a central financial hub, that I hoped Monzo would be when I started way back in the Mondo days. A proper budgeting system would be useful too, or at least a decent Google Sheets template to allow for this. ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [19 January 2021 19:34 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/5 "2021-01-19T19:34:01Z")
> [@coffeemadman](#): > > I would like Monzo to take some of Emma’s aspects. Emma feels a little more like a central financial hub, that I hoped Monzo would be when I started way back in the Mondo days. Could you give some examples about what differentiates Emma for you? (I don’t use it any more, because it wasn’t really giving me any value or significant insight). ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/125134_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [19 January 2021 19:45 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/6 "2021-01-19T19:45:03Z")
I ended up in the premium version to be fair but they have a way of entering offline accounts, split into investments, loans, accounts etc plus linked accounts. Then you have an overall debt, an overall balance and thus an overall analysis of my financial status. I can then see a graph of my overall debt reducing as I update monthly (or automatically in a credit card) and can go into each debt individually to see. They also allow smaller things like custom naming of transactions, allowing you to immediately update icons, allowing you to assign a category to all previous transactions. They also have more insights that are weekly in a user friendly format: “You spend less at Pret this week!” just as an example of a fun way to view money you spend. ![image](https://global.discourse-cdn.com/monzo/original/3X/a/e/aedfe4fd5c5af4cbbab0479caa23a314f6c70ff4.jpeg) ![image](https://global.discourse-cdn.com/monzo/original/3X/f/b/fb910350edb77760f3485b8f681175f5702c721d.jpeg) ---
**Author:** ![Gaoler](https://avatars.discourse-cdn.com/v4/letter/g/71e660/32.png) [@Gaoler](https://community.monzo.com/u/Gaoler)\ **Post date:** [19 January 2021 20:09 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/7 "2021-01-19T20:09:57Z")
Emma “on top” of Monzo and all my other accounts is a winning combo. Very little on the list I want to see. Innovative financial products would be nice. Beyond the core account, there’s still very little of interest (no pun intended) ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [19 January 2021 20:37 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/9 "2021-01-19T20:37:45Z")
> [@Peter\_G](#): > > Could you give some examples about what differentiates Emma for you? Monzo-like transaction info, search, spending analytics, and budgeting that spans across non-monzo accounts… something monzo doesn’t offer! ---
**Author:** ![davidwalton](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/davidwalton/32/125374_2.png) [@davidwalton](https://community.monzo.com/u/davidwalton)\ **Post date:** [19 January 2021 20:44 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/10 "2021-01-19T20:44:00Z")
Interesting to see Credit Card top it so far. And a full web app should happen too. Dark mode on the way… Joint account Parity and Kids accounts way down. Must be the :monzo: demographic that I’m beyond 🤷‍♂️ But well done @Peter_G - another outstanding poll, worthy of the badge 👏👏 ---
**Author:** ![phineas](https://avatars.discourse-cdn.com/v4/letter/p/bc8723/32.png) [@phineas](https://community.monzo.com/u/phineas)\ **Post date:** [19 January 2021 20:45 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/11 "2021-01-19T20:45:36Z")
Just downloaded it after the comments in this thread to test it out and it seems that both phone number and Sign In with Apple are a possibility (as well as Facebook) ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [19 January 2021 20:58 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/13 "2021-01-19T20:58:47Z")
> [@N26throwaway](#): > > Everything else I use is there, including Paypal and Freetrade. It doesn’t have Freetrade ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [19 January 2021 21:00 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/15 "2021-01-19T21:00:41Z")
Try tapping it! ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [19 January 2021 21:06 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/17 "2021-01-19T21:06:07Z")
> [@N26throwaway](#): > > Do you have a screenshot of what happens after you add a current account? Below is a screenshot of what happens when you tap Freetrade (not sure if that’s what you meant). They do this for several of the providers in their list… ![image](https://global.discourse-cdn.com/monzo/original/3X/1/5/1582e2a64f8ebb721b8da43ce54f04b293c0de21.jpeg) ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/125134_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [19 January 2021 21:12 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/19 "2021-01-19T21:12:44Z")
You can add manual accounts but I think that’s a paid perk? I forgot to cancel my trial so I paid for a year so I’m not sure what’s free and what’s not. ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [19 January 2021 21:22 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/20 "2021-01-19T21:22:26Z")
Yeah that’s a paid feature. List of paid features here… > **[What is Emma Pro?](https://help.emma-app.com/en/article/what-is-emma-pro-b9k15u/)** > > Emma Pro is our subscription option that provides you with more features than the free, default version of Emma. ---
**Author:** ![MOS182](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mos182/32/62110_2.png) [@MOS182](https://community.monzo.com/u/MOS182)\ **Post date:** [19 January 2021 21:30 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/21 "2021-01-19T21:30:28Z")
Read-only access for a specified email for Monzo Business - means I can let my accountant easily view my business account ---
**Author:** ![Jays6](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jays6/32/71576_2.png) [@Jays6](https://community.monzo.com/u/Jays6)\ **Post date:** [19 January 2021 21:30 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/22 "2021-01-19T21:30:47Z")
There was actually all of my stuff at the top: Virtual card payments from Pots Credit card Dark mode ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/125134_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [19 January 2021 21:50 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/23 "2021-01-19T21:50:38Z")
Thought so. Nonetheless I’d expect this kind of functionality in a paid version of Monzo at the absolute least. The free version in an ideal sense. ---
**Author:** ![Matteo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/matteo/32/123382_2.png) [@Matteo](https://community.monzo.com/u/Matteo)\ **Post date:** [19 January 2021 22:06 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/24 "2021-01-19T22:06:21Z")
I would like a fully realised “rounding” function. Round up money out, round down money in, no exceptions. No mention of pence anywhere unless you click into the transaction itself. Works for BACS, CHAPS, Card payments, direct debits etc. Then I would like money rounded to go into a hidden pot. Once it reaches £100, it’s either deposited into my account as a little surprise, or it’s transferred into a account of my choosing, like a savings pot, or an ISA, or Nutmeg etc. I like the aesthetic of this more than anything, loosing the pence figure from transactions would do a lot to clean up the UI. ---
**Author:** ![xnox](https://avatars.discourse-cdn.com/v4/letter/x/59ef9b/32.png) [@xnox](https://community.monzo.com/u/xnox)\ **Post date:** [20 January 2021 00:44 UTC](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070/25 "2021-01-20T00:44:58Z")
Horay that Garmin Pay made the list! I hope that the least will be worked on bottom up! Interesting that Fitbit Pay didn’t make the quiz option. I do wonder if post Google acquisition, Fitbit Pay will become just Google Pay. [Next page](https://community.monzo.com/t/big-poll-the-monzo-communitys-2021-wish-list/112070.md?page=2)