Been thinking about this in terms of budgeting. Getting paid at the end of the month and then bills going out from the 1st can be annoying.
Could an extension of the “Get Paid Early” feature be to do the exact opposite - choose to “Get Paid Late” - the option to postpone til desired day - in my case 1st.
This isn’t annoying for anyone, ever. This is perfect.
Yes I know there are work arounds etc - but I am talking from a cleaner perspective. Money in on 1st - bills go out as close to 1st or after, rest of the month is your disposal income.
I just do this with separate accounts, get paid into one account and transfer the exact amount to one account for bills and the rest to other accounts for spend.
The problem is if you get paid on the 1st your bills will go out at 6am or whenever but you don’t get paid until the afternoon so you go overdrawn unless you have a large enough buffer to cover the bills going out. I used to go down to go overdrawn every month and I’d get paid later that day, then eventually I had enough to top up the account on the 31st to cover the next day’s bills so the balance went to £0.00 at 6am instead.
I’d temper expectations of Monzo ever implementing something like this, it’s such a niche concept it’s never going to be implemented. Just transfer money out to a separate bills account, or keep an eye on what you spend between pay day and bills day.
basic accounting - all in one period. Not that complex.
There’s tonnes of ways you can work around it. Just an idea…
This is a top contender for 2025 @N26throwaway
if you’re using an app for budgeting like Emma for example you’d then see the money come in at the start of the period and then decrease throughout the month.
This would be all well and good until someone gets their money late 
Move your bills to 2nd, or even 5th?
this doesn’t change anything. Basically zero base budgeting.
Repeat
This could be super clean process if there was a simple way to delay the payment to hit in the right period.
Right and where do you think the money would live until you decided you want it?
There’s not even a way to guarantee the payment arrives before the bills are taken. So you CAN’T get paid on the first and have bills leave on the same day.
Send your money to me, I’ll look after it for as long as you need 
+1
I get paid on the second last Friday of every month, my payday moves between 16th and 24th throughout the year 
I want a fixed period for budgeting, so my salary goes into a different bank account and I pay myself from this on the 24th of every month, with my bills going out from the 25th onwards.
If Monzo could hold the money for me until the 24th it would save me the trouble and give me the reason to go full Monzo 
This is a little ‘why?’
Move all of your money into a 
Instant Access Savings Pot as soon as you get it.
Drip feed from the IASP into your account to pay the bills as-and-when (Monzo warns you of all upcoming bills, other than CPA’s - so plan for CPA’s)
Then…
Drip feed amounts of money from the IASP into your account to pay for any disposable-income spends (after bills have been accounted for) on a weekly/monthly basis as preferred.
The goal: keep as much in the IASP as possible in a monthly cycle, to adhere to the wise words of Dire Straits - ‘Money For Nothing’
This is to me a solution looking for a problem. Since most DDs you can change the date on, why not set them to the day after payday? Or, use the tools in Monzo such as left to spend to track what you’ve actually got.
This almost certainly one of those ideas that is “never gonna happen”. I can’t imagine the issues around liability if a bank took on this risk.
I think the only actual ‘use case’ for this that I can see is when you’re paid either on a particular day of the month (instead of date) or if you’re paid weekly and want to ‘gather’ up your weekly salary into one monthly amount.
So, for people paid on something like ‘the last Friday of the month’ or for those times in January when you might have been paid before Xmas but you’re trying to avoid stretching that to last 6 weeks until the end of Jan.
Then I could see a setup of something like
Have a ‘Salary Pot’ setup - this pot has a ‘release funds’ date set for whatever date you want. Get paid, and then salary sorter shifts that into that pot. Then on release date, it’s then resorted back out again to where you want it.
The salary pot could even have a lock on it to ad from friction if you’re tempted to dip into it in advance - a sort of ‘Are you really sure you want to take that money out now?’ prompt (in case a bill does need to be paid a bit early.
This is exactly what I am talking about. Dates/timing is what makes the budgeting side messier /noisier.
Aim of “getting paid late” would be so that you can set the income to credit on 1st - ie beginning of budget period.
Then you can set all your DD’s and subscriptions for 2nd, or as close to as possible.
Then when day 1-4 is out of the way, you’re left with your disposable income that you can have a rolling daily “left to spend”
As the end of the month then approaches (hopefully) there is at least a little money left - transfer this to a savings account, late on the evening of last day of the month.
Your (delayed) income can then come in on 1st, and have no overlap with the prior period.
So what I said then which you can do already. Also this isn’t workable for a number of reasons. What if the company pays on the 15th? What if you want your money early?
It’s, in my opinion, a solution looking for a problem.
