Monzo, we need to talk about Payments, Payees and the Payments Tab!

Another feature I’d love to see enhanced is the “left to pay” calculation for pots.

Currently the scheduled payments are listed in date order and helpfully, they seem to show the next upcoming payment which is really useful. When you look at this from the pot and it knows the month period you set, it should put a visible line in the list where the new period starts. Additionally, when direct debits are imminent, Monzo knows the exact amount but does not use this in the “left to pay” calculation - which makes the number inaccurate


A massive yes from me!



I have a vastly different results between ‘Payments’ and payments from a designated Bills pot.

‘Payments’ is WILDLY out, showing both alphabetical and chronological sorting in the same list of SO’s/Scheduled payments and D/D’s. A designated Bills pot is slightly better, showing the ‘Left to pay’ list as mostly chronological - but random repeating payments show at the top of the list, regardless of if they’ve been paid or not in the current cycle.

Posted about this in detail a while ago. Improvement still needed.


It feels so close to being amazing, doesn’t it? Tiny little tweaks would perfect it and they don’t feel too hard to make!

Honestly, pots changed my life and I’m not even exaggerating! I’m so bad at budgeting but now I feel totally in control. I can just slap it all in a bills pot and mostly forget about it. Using the pot feature was the killer feature that made me switch my main account.


Discovering a service which makes you feel this way is one of modern-life’s wonders.
Especially when it is directly involved with your personal finances and therefore indirectly responsible for your well-being and life enjoyment.

I sound a bit ‘motivational’ there, but certain things make life just… better.

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I’m going to bang this drum a bit more because I think it’s important:

It’s the little things, like improving the “left to pay” calculation that @YorkshireWill describes that really makes an excellent service.

But this needs imagination, a desire for excellence and to do a bit more.

It’s not something delivered through user research, data or by relying on an MVP that is never iterated on.

(For clarity, user research, data and MVPs have their place. But need to be coupled with a pursuit of joy, of going that little be further, and developing a sense of wow that you can never quantity and will never directly add to the bottom line. But add up all the little sprinkles of something special and you end up with a product that’s priceless and magic).

this may not be the last time I beat this drum



Bang away. Influence to making people’s finances easier to understand, more satisfying to engage with and more informed about the choices involved is massive.


Bang away. I’m right behind you.

Not as it sounds…


Jonathon, please!



I’m trying to pay a Monzo joint account from my Monzo personal. Dammed if I can find the payees. I thought they would ‘show’ as it’s a Monzo to Monzo payment I’m trying. Do I need to add the payees joint account details like I would another bank - so account number and sort code?

If it’s a :monzo: joint account you’re involved with, you can simply ‘Move money’ from the Payments tab.

If it’s a :monzo: joint account with someone(s) you are not involved with, then it’s just a regular bank transfer.


Thanks. I could see their personal account but not their joint account. Had to add as a new payee. I just thought it would show as it’s Monzo to Monzo still.


Not sure if this has ever been mentioned before but I came across something I would class as a UI bug.

In the payments tab, under “scheduled”, under “Subscriptions & Direct Debits” I can see all my direct debits, which are set to be paid from a “Bills” pot.
But I can’t see a card subscription there.

The card subscription shows correctly in the pot, under the “left to be paid” option.

Shouldn’t it also show in the Payments/Scheduled area?

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It should. Subscriptions/CPA’s show in my list of scheduled payments. They’re not shown in the designated Bills pot though, as you can’t assign Subscriptions/CPA’s to be paid from a Bills pot - so I’m confused as to how you’re seeing them in a Bills pot!

Are you on iOS? There’s been a few reports of Payments-related issues recently…

It can be done with a virtual card.

I’ve got a subscriptions pot set up this way and the subscriptions don’t show up ion the main Payments tab of the app but they do show when I check the Upcoming payments under the pot’s Manage tab for the pot.

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Ah, it’s a VC. That explains it then.

Yes, I should have specified it’s a subscription paid with a virtual card (that’s what I meant when I said “card subcription”) created in the Bills pot.

So, should this not appear in Scheduled payments?

It won’t, because it isn’t being managed by the main account, it’s being managed by the Virtual Account, which is funded by the designated pot. So the main account, in effect, doesn’t know about it.

Okkkk… I now understand the technical bit.
But… shouldn’t it show in the Scheduled payments tab, where all the other scheduled payments show (even those that are set to be paid from the same pot)? Isn’t this arrangement inconsistent?

I see payments that come out of a pot in there, so I expect all payments that come out of that pot to show there, not just some payments. As a user, I don’t know which account manages what payment :neutral_face: