Fixed Savings Pots

I get the idea they are fixed as in you can’t take money out for x months or whatever. But not being able to put money into them apart from the first time setting them up is ridiculous.

I’d also like the ability to lock them in for even longer than 12 months for better rates, like some banks do a or 3 or 4 year fixed, where you can put money in but you can’t withdraw until the end of the fixed term.

That’s how fixed savings accounts work. As Monzo is merely a mediator in the sector there’s really no scope to innovate.

Why not open a regular saver with another account provider? This would seem to suit you better?