Budgeting features should absolutely not be behind a Monzo plus paywall. It is a feature to attract users. Legacy banks like Barclays are bricking it and so are very quickly trying to play catch up, they have just launched a summary feature so Monzo needs to ensure its basic account is always ahead of the game.
Do Stirling/N26/revolute/Dozens to offer budgeting features free of charge? If so I’d image people would just move to a competitor if app features are behind a paywall.
In my view app features shouldn’t be behind a paywall, only benefits that have substance I.e. defined values such as insurance/airport lounge access should be charged for.