And it’s continual spend guaranteed each month that equates to a huge percentage of your salary 
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Summary deducts all your committed spend and tells you how much you have left until the next payday. It’s one of the best things about Monzo. I never look at my actual balance - just what I have “left to spend”. If it’s more than I think I’ll need, I move some into savings.
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Great. It works for you.
Do you get paid monthly? Weekly? Variably? If so, it won’t work. Hence why I don’t use it. 
Basically monthly, although the day does vary. It’s good enough though. Take your point on other cycles.
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I love Monzo but have two other adults in the house, with shared bills and different income days makes for a headache via one account.
Plus I like the cashback I earn at NatWest.
I will keep plugging the bank and investing in it but until there are multiple account and/or cashback. I’ll probably not fully switch.
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I’ve got into the habit of putting all my pay into a pot (I get paid the last Thursday of the month) then schedule it to withdraw the last day of the month.
Makes budgeting easier as I’m more in the mindset of getting “paid” at the end of each month and my budgets last whole a calendar month.
What do you mean by multiple accounts?
You can have joint accounts
For me it’s primarily the lack of overdraft (or rather, the inability to apply/get one before moving your account over in full because Monzo are so conservative with their lending)
In addition, whilst I get that Monzo is an app based bank and most functions can and should be performed via the app, there are times where I’d like to delve into spending a bit deeper and therefore doing so on a bigger screen (like on my PC or laptop) is quicker and easier. Unfortunately the current implementation of ‘Monzo Web’ doesn’t tick all the boxes.
I have…however, finally bitten the bullet and switched everything over today. Albeit not with CASS so I have the option of switching back should the current limitations of Monzo prove too annoying to overcome.
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Perhaps they mean multiple accounts. I have two Bank of Scotland accounts, where I (previously) split all bills (DDs, SOs, recurring card payments) into one account, and kept the other for ‘cash/spending’.
I still have this model except the cash/spending account is Monzo. It’s a much cleaner way to ‘protect’ my regular outgoings (yes, Pots can sort of do this but until I can CASS to a POT, then i won’t be doing it this way).
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You could use IFTTT and a pot to essentially create a second account?
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Yes I could.
But it would mean all those payments show up in one transaction feed. Which, for the bad money manager that lives in my brain, means opportunities to ‘borrow’ because I can see that a bill isn’t out yet… and then miss bill payments and … well this is why I like to keep them separate.
It’s not always about whether a feature exists or not.
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Not sure I was clear enough
So you have your account with X in
You create a POT with Y in (Y=amount of your bills each month)
So you account now only has X-Y in
You set up a IFTTT that will automatically take the correct amount from the pot for each DD
Though I accept it doesnt solve the all in one transaction feed
I have the same set up as @gmclean but with Santander. It’s much, much simpler for me to do that than to have all my bills and spending in the same account. Or even with the same provider, to be honest. If Monzo allowed me to have an additional account, I still don’t think I’d change.
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Why would you not change if you could have multiple accounts?
Just curious
I think because I appreciate the compartmentalisation I get.
When I look at my Monzo app, all I see is how my spending is going. And that’s all I want to see. The bills are taken care if in a different app, and I can keep an eye on everything together with Emma.
I know Monzo are keen to make themselves the one place for all your finances, which will work well for a lot of people, just not me.
There’s also the potential benefit of what would happen if one of the banks went bust. With two active accounts I could carry on fairly seamlessly.
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I would change if I could have multiple accounts, the ‘hidden’ aspect of having to switch to view my ‘Bill’ Account would be enough for me (we have a Joint account which I rarely check as it functions in this way as well, monthly deposit to cover my half, then forget about it).
Monzo does not report to expieran credit; meaning that a main bank is required. It shows up in noodle tho?
Only if you need an experian credit report, I think they are still looking to integrate with them and … another credit scoring agency?
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According to support they do not report to Experian and their the main credit holder of intimation on you.
This is why I have decided to use Monzo more but also have, Barclays current account, Nationwide, HSBC (don’t use HSBC anymore).
Nationwide have decided to block and change their terms on their flex accounts so it might be time to let them go.
No, I have two current accounts. One for the bills and one for spending. If you’ve direct debits going out all through the month and three different income streams on different dates to cover the bills, it’s a headache to work out what actual cash you have to spend.
I also get cashback on the direct debits, which sadly I wouldn’t with Monzo.
I could live without the cash back but setting up pots to cover all the money in and out, while would work, again is probably a lot of effort for something that is easily covered by two accounts.
I will keep supporting the Monzo, it’s great.