For clarity, here’s the problematic setup:
Incoming to Monzo:
 Minimal Salary | External → CA → Pot | [monthly]
 Dividend | External → CA → Pot | [~quarterly]
Transfers within Monzo:
 Gross spending | Pot → CA | [monthly]
 JA spending | CA → JA | [monthly]
The Minimal Salary is less than the monthly spending, and so is augmented by part of the dividend. Dividends aren’t clean and regular like a normal salary, but just about everything else in the world expects things to be monthly, so some extra steps have to be taken in order to “smooth” out the income - namely shove it all in a pot and then use scheduled pot withdrawals.
So, in that context, salary , and the dividends show up under “Income” as “Transfers”, even though they are immediately sent on to the pot. On months where there is a large dividend, this is wrong. And on months when there is only the minimal salary, it is also wrong. The pot withdrawal  shows up under “pots” - there’s no way to assign this as “Income”. The transfer on to the JA  has to be manually excluded and assigned a category, but still counts towards the sparkline graph at the top, and the bar charts. Here’s what my charts permanently look like:
This shows a month where a dividend comes though. Meaningless. Ideally the amount in the large green graph would be credited directly to a pot.
Here’s the monthly spending graph. Now, while it’s literally true that this is what happened, it doesn’t really reflect the larger reality - that the pot money shown in grey was always earmarked to be park of the green bar. So it just perpetually looks like savings are being burned, whereas they are actually delayed income all the long. The amount in the small green graph would, ideally, also have been credited directly to a pot.
This one is probably the worst. This is what I see at the top of my screen permanently. It is both wrong and constantly shown, which gets pretty irritating!
- Enable crediting of pots directly - like in any other bank where you just have an account number and sort code. Pots are nice and all, but they’re not feature-complete - here Monzo is actually playing catch-up with the incumbent banks.
- Enable transfers from pots to the joint account. This prevents a bunch of empty, noisy feed entries, and also prevents the summary from being distorted by these movements.
What do you think?