I have not moved fully over because Monzo only offer a basic current account service right now so I use it like I used the prepaid card.
My finances are governed by 2 current accounts:
- 1 current account for my salary and bills/direct debits/standing orders and
- 1 current account as a weekly spending account (and I have a standing order weekly to this account from my other).
I kept these with my legacy account because I don’t use my legacy account debit card and if Monzo became my billing account I wouldn’t use Monzo day-to-day which I wanted to do.
Whilst pots were a start at separating money, I would still need to manually move money to my non-pot Monzo account to pay direct debits etc. Until Monzo introduce 2nd accounts/pot sort codes and account numbers or the ability to put money aside to automatically pay bills, I will keep my legacy account.