Was the issue with Monzo or mastercard?
I’m not really sure to be honest.
I’ve just moved my salary over… Means we can have a joint account with joint savings pots
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So having done a little reading 
, it appears to me that the committed spending pot is what holds alot of people back, now as I understand it, the committed spending pot does exist but only for staff just now as a test system, I have heard and read this a number of times over the past x months, I’d have thought that this must have been tested to death by now and it would very much be in the interest of monzo to give it a big old push to get it over the finish line.
For me however and I’ve said it up the page a bit, it’s mostly the nationwide insurance package that is keeping me from signing up as a full monzo only member, I also get rewards for my DD’s With NatWest but I might give them up if the committed spending pot was delivered.
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I believe it was pulled from them too because it was too clunky/buggy. Needs re-writing from scratch.
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Instead of having a committed spending pot, wouldn’t it be easier to to offer everyone the option of having a second account, especially as the account system is already in place. The ‘same but different’ solution !
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That would be the best of both but I’m not sure how simple it would be it implement. You can only be logged into one account at a time and each time you’d need to use the magic link thingy. It would need improvements on the signin/multi-device support functionality, the UX, mobile number verification and everything else in between.
If people don’t currently have a committed spending pot then I personally can’t see how that would stop them moving over to Monzo. All the other advantages that Monzo offer should be more than enough to switch 
Personally it’s not an issue for me, I’ve always been able to budget without them as I make sure all my bills come out at the same time. But I know some people have waay more bills and it can be very clunky to organise things without a suitably designed area to do it
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I’m sure if there is the ability to have a joint account and switch seamlesly between the two then a third account could be added. I have have this type of thing with Lloyds for years without any issues and can easily transfer money between the two and switch all within the app.
Oh yeah without a doubt it would be possible, but when compared to building a committed spending pot I’m not sure how simple it would be to implement.
Joint accounts are connected to your personal account so they’re not really the same. I thought they’d be simple to build but they too ran into a big issue with connecting multiple users, permissions and so on. Have a search on here they explained it all really well.
Plus, you’ve seen people on here struggling to create/log into an account because they get an error that their phone number is already in use, so that would need addressing too.
To summarise I guess it’s one of those things that when said it sounds simple but when you dig into it, all sorts of other things come into play.
Personally, I’d rather they just carry on and finish committed spending pots rather than break off for a “quick fix”
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I think having an extra account is more of a shortcut to the problem rather than an incredibly innovative fix.
Having two cards with the same bank (where you only have the benefit of splitting funds) feels like an old clunky way of getting around the issue. If Monzo can iron out the committed spending pot issues it’ll be vastly more efficient than a second account.
It also feels “un-Monzo” to have two cards for a single CA - why can’t everything work within the one account and provide seamless integration if you have a JA or want to separate bills. That’s why I think this is taking so long - its an incredibly important and desired feature, but I suspect there are a lot of things that could potentially go wrong and so it needs to be really sharp around the edges.
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I agree with both replies and I too would like to see a commited spending pot and it does seem more Monzo so hopefully we’ll get some sort of update on if it’s ever going to happen and if they are still working on it etc. I spose we’ll just have to be patient (but that’s tough)
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It is hard because it appears it is such a deal-breaker for a lot of people (understandably) but hopefully this is an area where Monzo are putting a lot of effort into to refine and perfect because of that.
As the age old adage suggests 
I agree, but it would be nice to know something, even if it’s ‘being worked on’, ‘in progress’ or even ‘it won’t be till next year’ at least there’s and update and we know where we all are etc. And if they updated us it may just cut down on half the feeds on the forum too and help a lot of people understand what’s going on
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It has been a long while since we’ve had an update, so one would be nice 
On the flip side, part of the committed spending pot functionality was found hidden in an Android app tear down. Without this none of us would know it existed.
I say this because Monzo “technically/officially” haven’t announced anything. Generally when they do it is through the Making Monzo channel so this might also be why it is very quiet 
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Yeah I saw earlier, didn’t take them long to respond 
Who’d have thought that Monzo read peoples comments on here 
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My only bugbear with the app is still the hierarchy of the list of transactions. To me, the day / date just doesn’t stand out when it’s in the same colour as the rest of the list. It needs to be a more recessive colour, maybe smaller font size.
Also, the ‘total spend per day’ feels strange to me… as there’s STILL no relation to how much my balance was at any point during each transaction. THAT is the biggest failure of Monzo right now, and the main reason why I haven’t gone Full Monzo.
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I think having a rolling total alongside everything else the home feed is trying to show you would come across a little bit messy. Why do you need to know what you were on before if you can just add the “spent today” figure with the current balance figure?
If you want a transaction by transaction breakdown (which includes running totals) you can always obtain a statement.
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For me, it’s:
‘always having a constant knowledge of how much my balance is in relation to everything going out’
Rather than:
‘How much have I spent today, or yesterday, or this month’
Because I like every transaction to be attached to my rolling total… to me, it seems like it’s counter-intuitive for a company that’s trying to educate the user about understanding money, but then make customers more detached from the actual rolling total
in their bank?