There’s already a good variety of scheduling options, but I’d love to see the ability to add more complex versions, such as the “Second last working day”. This is useful in my specific case because I have a third-party savings pot - which needs 1 working day to withdraw from - and payments that go out on the 1st of each month from a bills pot.
If I want to schedule a withdrawal from my savings and a transfer to the bills (or in other words, schedule a transfer from savings to bills), I would have to take account of if the last day of the month is a working day or not. If it is, a withdrawal from savings on the last working day eg 31/05/23 would not arrive in my account until 1/6/23, while the same schedule from personal to bills would be taken 31/5/23. The ideal solution would be to withdraw from savings on the day before the last working day to ensure there are funds available to be transferred to bills.
Even better would be if I could just schedule on the second last working day to withdraw £X from savings into bills to cover first of the month payments.
I get paid on the last working day. I want to set up standing orders for last working day + one day.
This morning I spent too much time changing a few regular standing orders that go out on the last day of the month. Only if you do it today (31st May) Monzo defaults to recurring every 30th. So I end up doing it twice: one to make it recur from 31st July and one as hoc payment on 30th June.
Scheduled payments (standing orders and pot deposits/withdrawals) need some love.