If using Monzo primarily for budgeting, then the current UI has summary information spread out making it cumbersome to get an overview at a glance.
There are 3 numbers that I have to reconcile between Current Account and Summary and they change font size and style.
The original budget commitment, “Left of £1,000” for example, is set independently of individual budget categories. Sometimes it follows along to sum or minus when I adjust budget categories, other times it will lock the +/- buttons.
Budgeting principles often ‘give every dollar a job’ so you’re potentially letting users get in trouble by having two ‘levers’ to adjust.
If the committed spending area is not used, it takes up a lot of space between budgets and pots.
If I do well on a category for the month and have a surplus, there isn’t an easy to transfer it all over to a pot which is what that feature is utilised for.