I find myself needing another account with another bank to segregate my money to spending and bills.
I could switch fully to monzo if i could set aside a chunk of money into a pot that i could then assign direct debits to so they come out of a specific pot.
This should then mean that any direct debits (or potentially transactions from individual vendors) would come out of whichever pot theyre assigned to. You could have pots for bills and rent, one for online shopping or food shopping etc. This would not only help me to stick to my targets, but it would do this with far more ease and common sense and less effort than any of the monzo budgeting features because it takes all thought away from having to manage my recurring payments. As long as the money goes in on payday, i dont have to think about my bills for the rest of the month whatever date the are scheduled. I have peace of mind knowing theres enough in that pot to cover my commitments.
Also being able to switch between these pots for card spending would be fantastic.
If im going on a night out i can tell the app that all of my spending for the next 12 hours should come from my socialising pot.
Please consider this because i think its the one feature lacking in making this banking system truly ‘smart’