Current version:
Love that they have casha and finances separate - and lunch! Though maybe I don’t want to know how much I am spending on that each month! 
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i treat monzo as main bank mostly, baring savings and cash deposits where i have kept a legacy account as this is free
£100 excess for loss claims I think he meant.
I’m keeping my salary paid in to Barclays as if I’m ever paid on a Monday, they make the funds available early hours on a Saturday morning. I also make £4 each month from their Blue Rewards scheme. I pay £8.75 for Mobile & gadget insurance, which covers two iPhones, and iPad, and an Apple Watch. I’ve claimed on this several times too.
Also keeping Halifax account open for the £2 reward per month and also a TSB current account open as they are the only bank on my local high street, therefore I can use these to pay cash in.
I’ve moved all my direct debits and standing orders over to Monzo though, and all of my spending now comes from this account.
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I’d pay £6 per month (the £4 you get from Barclays and £2 from Halifax) to never have to deal with a legacy bank again. 
I’d probably save more than that being full Monzo and utilising all their budgeting and pots functionality too 
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I understand completely, I worked for Barclays for 10 years, so have seen it from behind the scenes. I also know the right avenues to complain to if something goes wrong
I’d say 90% of my banking is or will be done through Monzo, it’s just really useful to have a bank account with a branch close by, and also I do find it useful getting paid on the Saturday morning if I’m ever paid on a Monday.
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Haha yeah I understand. Plus you can deposit cheques and cash for free and without limits too 
Premium option with insurance etc.
I’d be in then, fully.
I used to have that with RBS but they stopped it not really sure why either.
Im waiting for the ability to have direct debits come out of a pot. At the moment im using IFTTT rules to take money out of a pot if a categorised payment come out of the main account but its annoying if i dont have enough to pay it in the first place in the main account.
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Who are you with currently that allows you to pay direct debits from pots?
Any bank ever that doesn’t limit you to one account.
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Thanks for that 
I was generally curious as to who allows you to create pots and spend from them. I wouldn’t want separate accounts either so I’m not sure why you’re saying that.
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It was a change in how RBS run their processes. They sent a letter a while back, stating that if certain things fall at the weekend, they won’t be processed until the following Monday. Maybe a cost cutting exercise?
Quite a few people use a second personal current account for their committed spend. This accounts acts like a Committed Spend Pot. So people who use a second personal current account for their committed spend would be unlikely to go Full Monzo until either Monzo allows multiple personal current accounts or until Monzo release a Committed Spend Pot.
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Allowing direct debits out of an account that’s not your main one generally requires another account. On the face of it there’s no real barrier for this, you can have multiple accounts without issue, so its perfectly reasonable.
At the moment pots are basically savings accounts with no account number, for which you can also have as many as you like elsewhere.
The problem i see with doing this with pots is you need to get it right. With no account number of specific way of making payments from it it relying on hopefully picking the correct payment coming from your account. I’m not sure i see Monzo doing it, have they said as much?
They have been running it amongst staff with results they were pleased with
Apparently needs a lot of rework for general release though
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Oh that’s cool, do you have a link?
From @simonb a while back:
https://community.monzo.com/t/monzos-speedy-android-development/51957/10?u=michaelmayes
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