It would be awesome if we could choose how much of our roundup is split across other pots.
For example. If I choose my roundups to be contributed to my respective pots in a 70%/30% ratio, I would expect to see 70% of my roundup go to pot x, and 30% go to pot y.
This way, monzo customers can prioritise their pots accordingly, without completely neglecting other pots.
I personally find it hard to keep track of the pots without roundups on it, and they grow at a much slower pace than that of the pots with 100% roundups, as per the current system. Equally, I don’t want to keep alternating which of my pots has the roundup feature switched on, as it leads to a scenario where I’m just swinging between each pot, and neither pot is growing at the rate that represents my saving goals or priorities.
If you want to set up your own applets so you have full control then you’ll sign up as a “developer” on https://platform.ifttt.com/, create your own applet with the following:
Trigger: Any card purchase above an amount
Action: Move money into a pot
Once you’ve added both of those then in between them click “Add filter code” and you can use this example code below to work out a percentage of the roundup:
var spendVal = parseFloat(Monzo.cardPurchaseAboveAmount.AmountInAccountCurrency)
// Check whether the transaction would have resulted in a round up
var rem = ( spendVal % 1 )
if ( rem === 0 )
{
// Purchases that are integers do not round up
Monzo.potDeposit.skip();
} else {
// Set the pot deposit as 70% of the spare change - amend "0.7" to change the percentage
var roundUp = ( 1 - rem ).toFixed(2)
var partRoundUp = (parseFloat(roundUp) * 0.7).toFixed(2)
Monzo.potDeposit.setAmount(partRoundUp);
}
You’ll need to create one applet for 70% and one for 30% and you’re good to go; any questions let me know or post them into the support thread.