Tablet app
Web banking
When am home I use my iPad or computer it’s annoying having to get my home lol
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I’ve got some suggestions, strap in…
- 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- Allow a mortage amount to be entered manually, as it’s always way out of date.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.
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These are amazing. Thanks for sharing!
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!
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There’s a memory teaser!
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.
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Even though the white joint account card isn’t that old I totally forgot it used to be Hot Coral with “joint” written on it!
Starling used to be the same, both cards were the horrible green colour with “joint” on it but they changed it to a dark green card in Oct 2021.
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Last call for suggestions 
Can you explain a bit more about this? Intuitively, I think I like the idea, but isn’t that the Balance graph (income anticipation aside)?
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 
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The balance graph only looks at the current month. Past and future but only within the current (or past) month. I want visibility into the month ahead, too. Because once you’re at the 31st of a
Month, you can’t see the next 30 days(or even just the next day) like you can when you’re at the 1st.
If there’s a graph that’s constantly looking ahead, I can always see what bill is next, and when. Which income is next, and when it’s expected. No matter where I am in a certain month or budget cycle. I’d settle for just being able to peak at a prediction of next month.
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But wouldn’t your own discretionary spending render it moot?
I think it would help better inform my discretionary spending!
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Ideally, I’d like my discretionary spending / Targets to run off the amount left in my current account / left to spend figure (derived via something like this) - which would make different parts of Trends nicely integrated.
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Here’s an example scenario:
It’s September 24th and iPhone 17 Pro pre order day is on the 26th.
With the existing balance graph I can see that my estimated balance at the end of September will be £1099 after my remaining bills and subscriptions. Excellent! I can buy that iPhone guilt-free. Then October rolls around and I see a direct debit is due on the 2nd but my income doesn’t hit until the 6th (so get paid early won’t proc until the 3rd). Uh oh.
But if I could peak a little more into the future (or if I was always looking 30 days ahead, no matter the day of the month), that bill wouldn’t be a surprise, and I’d know I’d need to wait until October 3rd before ordering my iPhone.
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Looking for a transaction in Flex reminded me. Universal search, including Flex and connected accounts.
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I would like to be able to
- sort recurring payments by date, ie sort from 1st to 31st.
- for both scheduled and subscriptions
- in this view be able to add notes to each recurring payment to remind what it is
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Okay, ^^^ that’s me drawing a line under suggestions.
Thanks everyone for your suggestions and thoughts 
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