So the eagle-eyed have found a possible new Monzo feature hidden behind a deep link: macro budgeting!
Now itās important that we donāt get carried away - this might not turn out to be a thing. Or it might change completely. But I thought itād be useful to have a place to discuss it and to offer some feedback from what we can see so far. Iāve had a play and definitely have thoughts!
Edit: looks like this is a feature for US customers only!
Disappointed that the pulse doesnāt seem to be as useful as the old pulse
I was hoping for some scrolling pulse action. (For those of you on iOS or who canāt access the deep link, the pulse graph is static unlike the old home screen where you could scroll to previous months).
Hereās my initial feedback:
Seeing ācard balanceā really pushes my buttons! Monzo isnāt a card, itās an account. And in the future if we have virtual cards then having a card balance doesnāt make sense because theyāll be multiple cards - itās the account balance!
I really want to drill down to transaction level by tapping the various categories or time periods (
?)
Hereās the biggy: it doesnāt work for me. Why? Because it lumps all spending, including pot transfers, together. So today Iāve moved some money between pots but not spent anything - yet this is a thing:
Visually, though, this looks stunning. Love it.
Iām struggling to see how this would benefit someone who gets paid monthly and uses Monzo for their main account. Of course we need to see the final version but it looks to me like it is aimed at those who want to budget daily or weekly or donāt use Monzo as their main account.
Makes it kind of pointless then
But itās not been released yet so hopefully they were planning to change it
Hopefully this is the power of community feedback! 
Hopefully this is the start of something greatā¦ I really like the pulse graph and would love it to be interactive, maybe showing current vs average graphs for the currently selected time period.
Right now the comparison with previous period and rolling averages I find of limited value as my holiday spend really screws the averages; I would need a way to exclude this somehowā¦ maybe only include selected categories in budgeting?
Iām surprised that they even put this into the live app in its current state, it doesnāt seem anywhere near finished in terms of styling/Monzoness and they know how nosey we are!
Could be a diversion tactic, distracting us from the new Plus development/launch 
Where does one find this feature?
You need to navigate to āmonzo://macro_budgetingā, which is a deep link to the feature; you canāt navigate to it from within the app navigation right now.
Either get an app to open deeplinks such as (this one I just tested) or most people here will paste the link into slack.
The deeplink works ok for me if I paste it into Firefox browserā¦
If you paste " monzo://macro_budgeting " into your mobile browserās address bar and hit search, it should open it for you.
False alarm people
This is a US feature.
I was one of the haters of the pulse graph, I found it useless. Iām therefore relieved that theyāre sticking with the feedback UK customers gave them and it isnāt making a comeback 
In which case a lot of the above makes sense- ācard balanceā because Monzo is still a prepaid card here, and itās made the way it is for those who use Monzo for some day to day spending but not as their main account because the US product as it is now is not yet ready to be anyoneās main account.
Itās not a prepaid card in the US, itās a āproperā bank account, just that behind the scenes itās a US bank with a licence thatās providing the accounts (though Monzo controls the interface and customer relationship).
That is not correct.
It is a prepaid card.
According to Monzo, itās not a prepaid card:
Then either the terms and conditions or Monzoās communication needs to be updated depending on which is currently the case.
