Maybe, although…
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I take it all back. Who do we need to tag to make this happen? @anon91821566? Jokez, obvs
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I really want to see a connected card ideally a virtual one that I can just use from a pot to pay for groceries (or whatever other uses you want) via Google Pay etc. Or physical card if there’s an actual reason it can’t be virtual.
I want more granular control over my card freeze options, such as Starling. Whenever I freeze my Monzo card, I then have to set it up as the primary in Google Pay, whereas Starling I don’t have to
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Reading up on what Dozens do, I’d like to see some sort of investment platform.
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I completely agree with this - “Jack of all trades, master of none” comes to mind.
The one flaw I find with Monzo’s combined approach - is that there’s no mechanism in any of the tools, to allow you properly plan your long term financial needs appropriately. Maybe in certain limited areas, yes it works, but not for everything. And for a bank that wants you to go #FullMonzo, that’s not ideal.
There’s two big reason why I think that’s a problem too: 1) Monzo are trying to maintain that they are “more than a spending card” - but their budgeting doesn’t really support anything but short term spending (or, rather, doesn’t really treat “savings” as part of a budget). And 2) I suspect that Monzo’s average consumer generally skews to younger users - at least vs other banks.
What I personally think can happen, is that users will begin to “age out” of the feature set that Monzo has, as Monzo’s features aren’t growing to match the financial maturity it’s users develop over time.
That bit aside, that’s why I’d really love for properly integrating an envelope mechanism, and nested categories, and more comprehensive ways to think about Goals, budgeting with actual income not potentially arbitrary numbers, and being able to adjust the budget on the fly.
In short; The budgeting tools are in Silos - and silos are for milk, not budgets.
(edit: why use few word when many word do?)
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They are for grain. Or missiles.
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But not budgets!
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I’d love to be able to select a pot as a “payment source” for external transfers.
Painful at the minute to have to withdraw from a pot and then do a payment, if this could be done in one swoop automatically it would be a massive step up in ui happiness for me
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