Future Monzo: some mock-ups of what the future might hold

Feedback & Ideas
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Here’s what the Account tab might evolve into:

  1. A simple but important change: “Account” becomes “Accounts”.
  2. Pulse is moved (or is replicated?) on the accounts tab. Here, it evolves into showing you your net worth over time, with your assets and debts from different places being shown clearly.
  3. The settings of the Monzo account holder are separated from those of the accounts. These settings are all about you, the app and how you’d like it to work. Your account number is gone from here, instead replaced by your Monzo customer number
  4. Your Monzo card (or “Coral Card” as I’ve taken it upon myself to rename it) is shown separately from your accounts. This is done on purpose to change the “one card one account” mindset. Indeed, you can select which account you want to use the card for (think Curve). There are also virtual cards suggested here – so you can create a specific card number for Netflix, for example.
  5. Your accounts are listed here with their current balance showing and broken down by account type. Assets and other important stuff can also be included to get an idea of your net worth. House prices, for example, are pulled from a Zoopla API in this example.
  6. Tapping on one of these accounts would take you to a filtered view off the home screen for that account only. It’s likely that Monzo might need three or four templates for the home screen – the current one works for transactional accounts (credit cards, current accounts, savings etc), but is unlikely to work for stocks or shares or insurance products. For more complicated products, it may be that you’ll just get an overview in Monzo, with a button handing off to the specialist app.
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