I spend a lot of time moving money between my current account and my savings pot that has a decent interest rate.
My Starling account simplifies this by offering a decent amount on its current account.
Can Monzo do the same please?
They used to as part of Monzo Plus.
But they got rid of it very recently, so I doubt they’d do it.
It’s something I want them to do too though.
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Absolutely zero chance of this happening.
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It’s rendered my pots totally useless. Pre Monzo I had a separate account where my money was split into notional pots on a spreadsheet and I kept track of what withdrawal related to which pot. Now that I can only get interest on my savings pot and I can’t have any pots within it, I’m back to a sodding spreadsheet again 
When I identify another account that allows me to manage my money how I want to I’ll be moving. Which is a shame because I have been one of monzo’s biggest fans and advocates, not shutting up about how brilliant it is. So…. That’s a shame 
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Yeah it’s heavily covered in this thread. I’ve raised as have many others. It’s pretty disappointing to be honest.
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Just created an account to add my voice to this issue and I’ve been with Monzo 7 years or so now and invested back in 2018 such did I like the product. Since then I’ve become divorced, a single dad struggling to get by and budgeting like for most is a problem and Ive never gotten on with those spending trackers for budgeting, the pots essentially digitized the old way of budgeting by putting the physical cash into envelopes in the cupboard like when I was young, an envelope for the bills one for groceries etc. Perfect, you can see exactly what you have available to spend.
Now that interest rates are on the rise again there is a financial advantage to not use Monzos best feature, the pots. At least they were the best feature for me. Clearly plenty of people agree as looking at the threads people are calling for pots in savings accounts or multiple savings accounts, or the ability to pay bills directly from savings accounts. It all stems from the same loss of the interest being paid across all pots. Combining the pots totals and giving that the instant access savings account level of interest was genius, its loss for me was a step backwards. I’m now pooling all my money that would be in separate pots and having to keep a spreadsheet, very frustrating.
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