So I have been with Monzo for quite some time now and I have to save I love it! However I cannot and I don’t think ever move 100% across. See I have 2 bank accounts, 1 for bills and one for ‘extra’ cash I can spend. I like the idea with the money pot but I’m order for that to work I need to be able to take money directly from it.
Like I have fuel and car insurance that I know will cost me £200 that money, so when I get paid I keep £200 in that account and the rest goes into Monzo. Then I use that other card when I make these transactions, with the money pot I just don’t think it will work, as it’s mkre for saving.
I honestly think you need to allow a second card for a money pot, or another account.