I have an idea for Monzo based on Getting Paid Early.
So afaik, the way getting paid early works, Monzo get sent money via the Bacs process, and the day before, they know it is going to happen, so they release money to you, then when Bacs comes through, they keep that new money.
So with that in mind, one of the issues with interest savings pots is that you have to wait until ~4pm on the next working day to receive the money.
My idea is that when you request your money from an interest pot, Monzo should advance you the money straight away, and when the money actually comes through at 4pm the next day, Monzo should keep the money.
This would solve the biggest issue with interest pots, the delay. Anyone have thoughts on this?