Yes it is annoying. I’m often in the situation you describe (mostly because I need to keep almost all of my money in pots to stop myself blowing it on coffee and takeaways). Fortunately I can usually find a workaround between credit cards, my overdraft and my bills pot but this plus a lack of pot-to-pot transfers means that I need to remember to put the money back when it lands from my savings pot.
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For me it would be a much improved payments process with a dedicated management page
Merchant data quality is probably my most frequent annoyance.
PayPoint for cash deposits is useless.
Customer support sounds ropey.
Cheque imaging would be nice.
International transfers would be nice.
A4 bank statements please.
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The ability to split a payment between different categories
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Don’t count on it.
Add the graph back, and add descriptions on pots an splitting a bill.
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Fulfilling the Monzo mentioned aspiration of useful and delightful customer service within minutes.
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I’d lien to see a euro account added like starling have done.
What is your use case for it? It seems like a gimmick as there are no fees and you don’t get an inflated exchange rate already?
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Useful to be able to exchange currencies when you choose. And receive € without necessarily having to exchange to £ at the point you receive the funds. I use Transferwise for that but would be great not to have to leave my main bank to do so. In fact I’m just testing Starling for that reason right now.
I added the Euro account to my Starling account
No case for it.
After looking at the fees, it was a non starter.
Just spend on the card and don’t incurr fees
(Just like Monzo)
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I have mentioned before, one thing that I would like is the ability to be able to archive transaction history.
I know some like to be able to check their spending as far back as they like, but for me personally, the previous month is enough.
This is one area where I feel Starling does things better, having a month by month analysis.
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Surely though if the point of putting the money in the savings pot, for you, is that it’s harder to get to to spend, then having instant withdrawals would remove the point?
I could see an argument for “I want to earn interest but also access my money quickly”. It might not be viable for Monzo but it’s a use case that exists. But if you’re wanting to use the savings pot just to avoid spending, it’d need the delay. Otherwise you could just use a pot or locked pot to acheive the same thing without having the delay.
I was going to say custom categories for my one thing. But after reading other replies I’d actually probably say customer service improvements (speed of response).
Custom categories would make a significant difference to my day to day usage. But customer service is kind of like insurance in that if I did ever need it I’d be glad it was good!
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More responsive support - in particular on those rare occasions when customers need to exceed payment limits
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Running balance next to each statement item, so I can later see how my account was doing at any time in the past. This would be particularly useful if I needed to identify by how much a payment had been declined
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Full Open Banking integration of my non-Monzo accounts - including transaction notifications - such that Monzo’s is the only app I need to look at regularly
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Some kind of graph showing me how my spend is doing relative to where I need to be - or where I was at this time of the month last time my spend was on budget
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I definitely fall into the category of people who want to earn interest but also access my money quickly. To be clear, I don’t keep my money in pots for lack of willpower, when it comes to frivolous spending, I put it in pots because I have calculated how much I need to save for bills etc. What is left is in my main account. I’m never tempted to take money from a pot to spend on anything unnecessary. But I do occasionally have large, unexpected outgoings, like house or car repairs.
EDIT: this is a long winded way of saying that I need to keep my savings separate, but accessible so they are only spent on significant purchases or transactions, not frivolous ones. And obviously I would like to earn interest on my savings.
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The only thing I can’t do is pay money in. There’s no pay point place anywhere near where we live. My husband has to pay everything in to his Lloyds account and then transfer my money to me.
This is what I’d like to see. My reasoning is that I reconcile all my banking transactions into another app and it is rather hard to do with Monzo due to a combination of a lack of running balance and temporary credit check style card authorisations clogging up the timeline that than get refunded a week or month later.
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The ability to pay in at the Post Office… almost everyone else does it, including Starling.
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I know the title says one thing, but I’ve been keeping a bit of a wishlist noted down when something about Monzo annoys me or feels like it’s missing.
A few repeats here, having read other people’s replies.
- Depositing cash via the Post Office. Being able to use PayPoints is great but in my area they are few and far between and for some reason mainly only in small shops and newsagents where a select few of the staff know how to use them. Surprised to hear it's possible w/Starling. Interesting.
- Rename the Charity category to Gifts & Charity. I buy things for other people, but wouldn't class that as shopping. Expenses specifically for others should come under their own category, which I feel sits naturally alongside the Charity category.
- Keep working on the new UI - specifically the flow of navigation between accounts, pots, payments (to and from) help, and misc. settings. I appreciate a lot of time and effort went into it, but it just doesn't feel 'simplified' at all, despite the expectation that was set when it was first announced. I've been using the new UI way back since it was in labs and have never been comfortable with it. I know it's been tweaked since then but it still feels clunky. It doesn't feel natural to me and I'm constantly forgetting how to navigate to the screen I need. Ask me to draw a flowchart of what goes where and I would quickly give up.
- Let me see outstanding requests for money in one place. My wife and I have a Monzo joint account for bills, savings and other regular joint expenditures. When we pay for something unplanned that we want to split with each other we send split requests, but sometimes we can't settle up until the other one has been paid. You get 1 reminder a few days after a request is received but you don't get any more.
- Add the Share Details option to the Request screen. Also, let me select what account details I want to share with a quick checkbox method. About 99% of the times I have needed this has been when somebody wants to quickly send me some money who doesn't have Monzo. I naturally go to the Request screen via the payments tab but it's not there - it's on the home tab. I'd also like to be able to selectively choose which of the details to copy and paste in bulk (i.e. tick SC and AN and then share both at the same time) rather than always share the bank address and BIC number.
- More ways to manage payees (incl. selecting favourites). I'd like to be able to edit payee names where the default name on the account appears to be data from the bank which is often incorrect or not as useful. I'd also like to be able to create a new payee without having to send them money right away. The current options I have are Delete and Merge. I'd also like to be able to set favourite payees - even 3 would be nice. It's usually my wife or my best friends. The 'Frequent' list on the payments screen has to be broken. There are people showing on mine that I've only paid once.
- Move the button for the 'Nearby Friends' feature into the Pay and Request sections (once under each). Kinda comes under my earlier point about UI/navigation but it stands out to me as one of those buttons that just doesn't need to be where it is.
- Make the account/pot list screen the default home screen. The account/pot list is my go-to when I boot the app up every time. It feels like a natural place to start and I'm less likely to get mixed up when trying to find my way around.
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