TL;DR: Allow users to pay overdraft charges whenever it suits them.
My first suggestion, eeek!
So - unlike the majority of people who get paid monthly - I get paid on the 10th of the month, not at the end of the month. After a year and a half I’m still not really used to it.
BUT - here’s the thing. If I’m going to be in my overdraft in any given month, it’s likely to be the last few days of the month and/or the first 10 days of the next month.
This means that if I go into my overdraft at the start of the next month, I’ve got to wait until the end of the month to get rid of that nagging overdraft fees bar at the top of my feed - despite having the funds there to pay for it currently.
Seeing that “July Charges” thing every time I open up Monzo makes me unhappy, and I’m not sure being able to hide that is the responsible thing to do - but being able to pay it off whenever you’ve got cash available would be really useful.