I’ve been lobbied for a Big Poll ! Regulars may remember we used to do these once or twice a year where we’d have a megapoll to see what features were the most popular. And then watch as Fitbit and Garmin Pay battle it out for the bottom of the table, and as Monzo nodded sagely noting the outcome and then building, well, on the basis of last year, Garmin Pay!
But I digress! No guarantees of a poll, but if we were to do such a thing, what would folk want to vote on? If the new year allows, I might be persuaded to put it together as a poll in a month or so’s time (or maybe @N26throwaway will do it instead if he manages to track me down).
Anyway… Throw up any ideas here - links to existing topics gratefully received. Let’s try to not use this to rate ideas (we can spin those out onto other topics) - and the weirder/whackier/inventive/innovative the better! And some of these might not be economically viable for Monzo (or might not seem to be) - but let’s have that discussion elsewhere (perhaps some of them could be good paywall features?)
A few starters from me:
Rules-based payments - so if I receive my salary, it automatically sticks a certain amount in my savings pot and transfers another amount to a different account.
Credit card pots - so if I spend on Flex or a linked credit card, it puts the amount in a pot
Personally , I would like to be able to pay my connected credit cards directly without having to go to the payment screens select myself and the choose the relevant credit cards holding account…
Also I’d like to be able to go to a connected account. and send money directly. Like the “Add money” option, but in reverse…
Vote here (click on the blue ‘Vote’ button at the top-left) for the -web feature request:
No guarantees a vote will change anything other than increase the focus on a feature which the community is voting for.
And as you’re fairly new, this link (not a RickRoll - honest) could be of value:
It’s a link of all the features requested and voted for by the community over the years (the features with a in the title are features which have already launched)
Click on the ‘Votes’ tab at the top to see the list in number-of-votes order.
My addition to this would be to think about the forum as well. What people want to see introduced on here. Exclusives, specific Community merch and more.
Would be good to have the Community as more of a test bed for stuff like that.
I’ve railed against such things in the past but maybe sign privacy agreements for new features / physical stuff like cards then a private forum area to discuss in?
A move away from London centric research and insights. I was invited to participate in a Monzo feature research but would have only been considered for the next stage if I travelled from the Midlands to Monzo HQ in London. Would have happily volunteered my time over Teams/Zoom etc. I am of the opinion that Monzo may continue developing the product in a capital centric way if this is not considered carefully in the future.
Support for managing kids accounts from a joint account and/or multiple individual users - having to use Starling for this currently, and previously used HyperJar.
Joint Flex accounts, and/or pay Flex from a different account.
Pay in 3 as a default on the Flex.
Reset ‘Trend’ periods based on actual day of main income payment rather than a fixed time period.
Allow bill payments from an instant savings pot.
Pay interest on the entire account and all pots (including kids) and just ditch the ‘Instant savings’ pot (I almost switched to Starling for this, until they announced they are ditching interest!).
Alternatively, automatically transfer money from the instant savings into a main account if it falls below a threshold. (I tend to shift all my cash into instant savings on pay day, and keep a small amount in the main account, but I’m having to constantly transfer, and sometime forget).
Or, automatically transfer money out of the instant savings pot if a main account payment is declined (ie. i forgot to top up)
But ultimately it’d just be a lot better to not have to faff with the instant savings at all to get the interest
Allow a nickname to be given to a payee account (it can be hard to tell your own accounts apart).
Allow some super-favourite-and-well-trusted-non-Monzo payee accounts to be including in the ‘Move money’ list of accounts alongside your own Monzo accounts, rather than having to remember to ‘Pay someone’ even if that is yourself!
When viewing ‘Left to pay’, highlight the payments that total up to the actual ‘Left to pay’ amount rather than just listing all DDs & SOs and leaving you to work it out for yourself.
Allow card payments to be taken from a bills pot and included in the ‘Left to pay’.
Pop up card details in a floating window, something like the navigation app does on Android, to make it easier to copy card details into a web site on the same phone without having to swipe back and forth between Monzo and the browser.
Used a completely different colour/style card for Joint accounts, the tiny ‘JOINT’ label to differentiate them is awful.
Allow a mortage amount to be entered manually, as it’s always way out of date.
Support for imaginary/virtual accounts to track monetary values outside of Monzo, eg. the worth of all goods in your house, or the combined total of the kids Lego collection, ie. for insurance purposes, you could then top up the virtual amount directly from real transactions or manually enter transactions to update it, and you have it instantly available next time you need to renew the insurance, or to prove to them they already have too much Lego.
I think that is all my suggestions for now, thanks for listening.
Good news, this is done already! Joint accounts are now white - but I’m not sure if you can just replace the cards or need to wait for the expiry date. Paging @davidwalton, our resident joint account guru / advocate!
I got a white Joint account card when they launched in mid-2023, but it doesn’t expire until mid-2028 and I’ve not had to replace it.
A quick search shows that the white card can be chosen in the card replacement flow, so you may want to [cough] accidentally lose the coral JA card [/cough] and need to replace it.
I’d like to see open banking for savings. Failing that let me add my total wealth in an editable area of the app, with labels for savings, ISA’s, Shares, pension and mortgage. In trends add a new Wealth graph to beautifully display it all
! Regulars may remember we used to do these once or twice a year where we’d have a megapoll to see what features were the most popular. And then watch as Fitbit and Garmin Pay battle it out for the bottom of the table, and as Monzo nodded sagely noting the outcome and then building, well, on the basis of last year, Garmin Pay!
[silenced]
-web feature request:
in the title are features which have already launched)
and more.
