I love the target feature in Monzo and I include my NatWest account into it as well.
The only problem I have is with pending transactions from NatWest. It can sometimes take long to move from pending and during this period, I can’t allocate a category to the transactions. This will make my target tracking inaccurate and I often then result to excluding NatWest again.
A way of excluding pending transactions from your target if you want would be helpful, or the ability to categorise them even if they are pending.