I have three Monzo accounts - personal, joint, and business - and would like to use the full feature set, including the salary sorter and bills pots. However, I have not been able to come up with a strategy that would work. The following diagram outlines the key money flows:
The transfers to the bills pots are action-triggered (the action being the transfer of funds) so they are fine, but the others are scheduled payments. The problem is that I can’t guarantee the order that these will trigger in; and if the Personal → Joint or Personal → External ISA transfers trigger before the Business → Personal one, then everything blows up horribly. I’d really rather not rely on the IFTTT integration, and I am not sure that I can anyway with all of these account types. If anyone has a good strategy here, I’d love to know.