An elegant example of two (@nickh & @awjdean) opposing viewpoints coming together, disagreeing, seeing the other side, then shaking hands (with a smile, I reckon).
Get these two on the Brexit negotiations, I say 
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And for what itās worth, I donāt mind the development programme including nifty little features to assist some to budget (such as hidden pots and the like).
Iād hope, though, that such ideas would not trump other known basic deficits being brought to fruition.
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Thanks for this suggestion @nathanthomson8! Although this feature isnāt on our main roadmap, this is something that the Vulnerable Customers team is looking into as a way of helping people protect their committed outgoings. Weād love to be able to offer this at some point in the future 
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I wonder if you could get someone else to act as an authorisation for purchases? I could see Monzo offering a childrenās account with big spends requiring authorisation?
I wonder if this could also apply to joint savings? Too many friends with horror stories of partnerās wiping out savings accounts and being overly enthusiastic a couple of days after pay day!
agreed, I see no reason to waste time and money talking to agents.
just allow a toggle switch for a 24hour timer. once applied it takes 24hr to dedicative once you toggle it off.
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I use another provider to save majority of my money, I only use pots for saving smaller amounts incase I need money straight away itās there however with the provider am saving with it takes 24hrs to get the money which is enough for me not to withdraw it, thereās some saving account that you have to give 30 days notices to get your money thatās good if the 24hrs is not enough to deter you
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Could you please share the names of those apps (donāt worry that theyāre ācompetitorsā) so that other users can check them out?
The fact that they exist as standalone businesses suggests that this is quite a popular concept.
But this is a feature not a business for me, thereās no reason why the challengerās canāt provide the same service & all the other benefits of their service in one place..
the saving account I use is ford money that you give 24hrs notice to get your money ( by 2pm) day before, and for anyone looking for longer notice accounts should check out moneysupermarket they have a whole list of notice accounts that range from 30 days up to 180 days whichever suits you hope that helps
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I agree to an extent with this; with services like Plum, Cleo, Yolt, and Emma, and no doubt countless others that do some form of automated budgeting/money squirrelling, I think weāre becoming a little reliant on an AI to understand our priorities.
And I think on the point about Monzo providing it for the betterment of their user base - it can very easily become a fragmented product - where would you stop? (And, how do all these features get funded?)
I used to have a number of different current accounts all used to slow down my spending or minimise my ability to impulse buy. And Iāve gone in and out of debt over a good number of years; but ultimately the thing that has helped me the most is āZero Based Budgetingā, or envelope budgeting; and making a budget each month where every single Ā£ in it has a job to do. Thatās honestly been the best trick to reducing my impulse buy ability!
(Also, changing passwords to sites like Amazon, or cancelling free delivery options etc, helped too)
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I didnāt read the whole thread so apologies if this is repeating things. What about a drunk lock? We all know at the weekend we wake up and realise that we spent far too much! Maybe having to solve a quick maths question to allow access to one pot?
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Thatās actually quite a popular idea!
Drunk Mode - Temporary Card Freeze
And itās on the teamās list to deliver during their Monzo Time, although that doesnāt mean that itās guaranteed to get built (more important stuff might get in the way).
Never noticed that post. Thanks for sharing!
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