Loving Monzo so far, my main suggestion (other than customising categories, which is know has been discussed a lot already), would be a bit more nuance when it comes to notifications.
Generally love the notifications, and love the budgeting functions, but there are times when I don’t want to keep receiving messages saying I’ve gone over a budget.
Example: I spend my ‘Eating Out’ budget by week 2 of the month. I’ve taken this into account, and while I’d like to keep receiving all other notifications, I don’t want to continue to get notifications every time I eat out over the next two weeks.
This would be great!