After Simple Bank closed in the US, a bunch of neobanks jumped to replicate its unique set of features. None of them really came close.
Das Budget isn’t a neobank but sits on top of (US) banks the same way that Emma or Lumio do here and effectively replicates Simple’s features. Unlike Emma and Lumio though, it looks like it manages upcoming spend more actively, creating virtual pots/buckets/budgets for spending, and managing a left-to-spend figure. It looks quite cool but is only for US banks right now.
Interestingly, the developer also seems to work for… Monzo.
I haven’t played with this yet (because US only obvs) but I think something like this would be an excellent offer under Monzo Plus and Premium.
Tagging @N26throwaway because Simple.