It’s probably not so much that upload functionality has been added but more likely that pots and payees are stored/handled differently.
I suspect there are more payees than pots and (simplistically), the database that stores payees would need amending to point to a location for the image.
I’ve used Monzo since the beta periods. But! Was never overly convinced it would be a great idea to do. I’ve now changed my MINDD!! Monzo is currently in the switch process for me. Changing over from Barclays to Monzo, seems like an absolute no-brainer.
Another reason I haven’t gone full monzo yet is that I can’t pay in cash without being charged a fee. I’ve just received a sum of cash that I will have to pay into my other bank a 50 minute plus round trip for me but the sum is over the paypoint limit and I don’t fancy being charged to deposit it either.
You don’t have a post office closer?
I’ve done the opposite, Barclays is now my main account. Monzo is a backup account.
Not having a Direct Debit pot to keep bills money separate from spending money!
Will switch from old bank should this ever happen!
Do you get this option at your legacy bank? I’ve never seen this offered anywhere.
Nope I use 2 accounts pay goes into one transfer DD money into second account setup and called Direct Debits, both accounts with same bank!
Monzo uses pots so how hard would it be to make it work in a single account!
Very hard. They trialled it internally but I think there were issues with it picking up all the recurring items. They’re still working on it though so 
Was just answering the question, why have I not switch to Monzo as my main bank?
And that was my answer!
@Marc-M couldn’t you have all your direct debits come out within a few days of each other and then transfer the money across ?
Sorta what I do in my main accounts, would just be nice to be able to switch everything over to Monzo and have a pot for DD/SO, that way I only need one account so could close all my others! But would, as I do now and keep DD funds well away from spending money lol
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Will help Monzo’ understand demand for new features etc
I totally agree that it would make like easier you you could have 2 account and use one for bills, just seems so easy to me, Monzo just needs to give everyone 2 Accounts and then everything is sorted. This is how I did things with Lloyds and it worked so well
@Marc-M in the mean time, couldn’t you set a regular payment to put money into a ‘Bills Pot’ and then the day before the direct debits are due, automatically transfer it from the bills pot back to your main account, that works
I’ve got as far as getting my salary paid in and its been great since they fixed the predicted pay day thing in summary.
I however haven’t gone ‘Full Monzo’ as I share a joint account with most of our bills and rent coming out of that. I do it this way for one main reason, if I had the bills coming out on my monzo account, I would need the ‘balance’ to actually represent ‘balance after bills’ or i’d be worried that I would spend it.
I know I can schedule pots to empty before debts are taken out but this should be automatic.
A ‘Bill’s’ or ‘Committed spending’ Pot should be available which you can tie repeating payments and Direct Debits to that and then they get taken directly from there. that would separate available balance and committed spending.
You could take this a step further and have your salary payment, which is predictable, trigger the movement of all the balance that is necessary to pay off your committed payments for the next month in that pot. then you only receive what you can actually spend in your main account.
Until there is a system close to that, I think i’ll have to stick with keeping bills coming from a legacy bank account and just balance transferring an amount over to it manually each month.
I’m very tempted to do this - I kept my legacy accounts and in general I use my Amex for spending due to the rewards scheme.
Just need to choose between HSBC and Nationwide FlexAccount and then manually shift DDs back out again.
I recently moved over, I’ve not used CASS. I was initially resistant but now I’ve set up a transfer into a pot the day after payday and then on the days my bills are due I’ve got transfers going back.
Summary and left to spend should be just as good as a spending pot if you are paid monthly and can set a budget. If the issue is that you still spend money over and above left to spend then a spending pot isn’t the solution.
Much easier to simply use another account at another bank for bills, I think.