Kinda for Monzo to figure out, I think. But, for my money:
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MVP = You enter the bank name, account name and your balance manually. You can update your balance at any time.
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Advanced = You can enter transactions manually, so you don’t have to update the whole balance, just specifiy a change to it.
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Automated = You tell Monzo about standing orders and it automatically updates balances on that schedule
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Rocket ship = teach Monzo the account details and any transfers to/from that account automatically update the account balance and create a “transaction”.
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Out of this world = you tell Monzo the APR and it also calculates interest…
I’m thinking of this for mortgages and savings accounts, rather than current accounts (which are likely to be available via open banking).