Okay sure - but you are describing it as a linked account - you can’t spend money in the ING Account you linked but you can with Monzo.
With Monzo Plus you can earn interest on the money sitting in your account whether it be night or day? I just don’t see the benefit in having this half and half product.
But what if I want to use my account during the night? I am frequently awake at 2am and on Amazon…
Where the list of rules, I’ll break one for ya!!
there is a feature on the ing app that allows you to determine how much you would like them to leave in your daily account
so they send anything above that to savings
so you can always determine that based on your avarage spending
I’m just confused why you’d want to to move money around the houses for the sake of a few p per day compared to leaving it where it is and get a bigger lump sum at the end of the month (which has a better psychological effect to encourage saving)
I am so suprised i am unable to show you how benefical this account is and has been for me
yes if you have the money to put aside
but this is automated you are not doing anything as the banks IT system does it automaticly for you
and remember the idea is to pay you intrerest on your daily remaning balance - the part you wouldnt normaly call savings
giving you extra for your money and thus choosing ing or monzo over any other bank account
You’re not listening though - we can see the subjective benefit but what is possible in the UK Banking Market is arguably miles better than this.
UK Current Account:
ING - Overnight Saver
To me, it is clear which is better 
This is what you’ve been missing.
This makes sense in a way. Not sure I think it’s as good as keeping money for a month to earn interest on but you’ve not mentioned this before in this thread I don’t think…
Do ING offer this service in the UK?
i thought i did several times thank you i am glad you got it
I am but your are resisting change
ing has a built in current account in the savings
your account becomes current during the day
the idea is to give you more for your money the bit which you wouldnt normaly call savings
I think they used to offer a similar product but dont do any retail banking services anymore
by the looks of it they sold it to barclays
How does the banks IT system know I want to go shopping at 2am on Amazon?
Also you’ve gone from ‘this’ll be easy, just pay it daily” and an entire redesign of all the systems and introduction of systems to predict my erratic spending. I suggest this time, effort and money would be better off introducing products where the headline is more than ‘get 0.004% interest daily”
What you’d need to knock this gem out of the park is a time-slider ™ which allows you to set the start and finish times of your ‘spending period’ and also your ‘earning money for nowt period’
I think the point is you’d earn more on your money in Monzo if you step away from the ‘daily’ aspect of this.
And as others have said, and I agree, daily interest is typically a few pence, and much much lower than what you’d earn over the month.
I’d like to set mine to start earning from January 1st 2001 to yesterday please. 
(<-- this is a joke!)
My Time-slider™ spending period would be 1 minute, then I could relax knowing I’m raking in a few pence during the next 23 hours and 59 minutes.
the system allows you to spend all the money in your account if you do you simply dont get the interest
and The IT side of things should be easy for a bank who managed to start from stratch
thats the least of my worries as a customer
unless you guys all work for monzo why do you care how they do it
its been done before
will take time perhaps but not out of reach
I’ll grab Time-Slider™ (capital S) just to thwart you.