I’d love to see balances in the app like this, it’s exactly where I’d like Monzo to grow but I am in two minds about putting the money aside as I spend.
It’s definitely not what I do at the moment but I like the idea. The problem for me is that the month where I transitioned to that mechanism from what I do now would be painful and probably very overdrawn.
I’d need to give it serious thought.
The other thing I’d want to be careful around with this is the impact on the summary Comitted Spending figures. Current card balance clearly only reflects future DD at the very end of the month but there may be room for some clever calculating in there somewhere to mesh the last months payment with this months running balance to try and reach a better estimate of future balance. I clearly haven’t thought about what I would want that to look like.