Not sure if this has been posted before but the idea is that when direct debits are taken at different dates I would like it at the beginning of the month when I get paid that they are taken automatically. So I know how much I got left for the rest of the month. That is mind free to use minus the direct debit in some sort of holding portal a pot that I can see the direct debit amount but this is already been taken since I got paid. This is the only reason I haven’t converted from my current account fully to monzo because I transfer everything after the fact leaving my direct debit with my current account or high Street account and then everything goes over to monzo. Apologies if this has been done unmentioned before
If I understand correctly, this is what bills pots are for.
Either use salary sorter when you get paid to add money to the pot, to ringfence it from your main balance. Or, setup a scheduled deposit into your bills pot.
Then all your direct debits will be taken directly from the pot.
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Monzo Pots cover this.
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The only issue is that unless you have one of the paid tiers the money in the pot is sent from the pot back to the main account and the payment taken from there. This has the issue of adding in extra withdrawals and deposits to the bank statement- unless this has changed since I used pots.
There is no difference with bills pots between free and paid tiers.
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Curious as to how this could be a concern?
Statements are a bit of a mess with “transfer from pot” & “transfer to pot” 
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This 
Yeah, I acknowledge that it could be seen as a bit messy, but it’s also very accurate. And an accurate audit trail is exactly what you need for your individual/joint protection.
Starling can achieve the same principle without having all of those
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This happens with paid and free accounts.
It’s not a perk, only card subscriptions can be taken from pots directly via virtual cards.
Card subscriptions are not direct debits. Direct debits use your account number and sort code.
Surely if the information is shown accurately on the bank statement I.e external money coming in and leaving the main account , this is ok from a compliance perspective. You could have a record shown in the feed screen, for movement to pots .
At one point, guess at ‘compliance’ or ‘regulations’ or any number of behind-the-scenes operational guidelines, Monzo decoupled pots from their connected accounts and treated them almost as individual accounts. So the connected notes were lost, as was the ‘ignorance’ of funds moving to or from a pot (from the perspective of the pot).
“And where exactly did that debit go?” asks Mr Auditor.
You would. But anyone looking at available documentation wouldn’t.
Hiding transfers of funds used to be a lot easier, but no longer with 
because of those regulations. And we’d have gotten away with it if it wasn’t for those pesky regs 
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Not sure I follow how funds could be hidden within a pot when it is part of the same account. Can understand having a mention on the statement with interest earning pots/ISAs, but for standard pots this is more a convenient way for customers to put aside regular outgoings to easily see (in the app)what money is left over to spend. If the statement showed the amount in the main account + pots any auditor could see the funds.
Starling bank ignores the movement to and from spaces in a statement, it all just runs as one transaction history so it looks like debits come from the main account.
Monzo statements are the absolute worst to sift through in my job, and I deal with a LOT of bank statements day in day out from all banks.
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Yes, I do feel for you having to look through the statements. You also can’t tell which pot the money goes to, you have to look at the separate pot statement, to match it all up.
It’s all unnecessary in my humble opinion.
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100%.
I think it’s the only bank statement I don’t really like sifting, most others have a In and Out column which makes my life 10x easier and more efficient.
Just a shame the banks can’t align which side the In and Out columns are on 
I must be the only one who never looks at my statements. If someone else wants to see them, that’s their problem (sorry @Carlo1460 
)
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My job generally only requires me to scan for incoming payments which I can do in seconds on most other statements.
Monzo just slows me down so I dread them. I never check my statements, with the exception of Lloyds because the envelope notification doesn’t go away if I don’t open them 
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I always download statements as not all the banks allow you to search all your transactions. HSBC for example only show a certain period of time, so if you want to check further back, you need your statement.