Where are you getting that from?
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Public roadmap?
So far away 
Love the idea of this. For me personally, I think an integration with Moneyfarm or Nutmeg, which allows you to invest from the account would be phenomenal. This is literally the future of finance! Keep up the good work guys.
This is a great idea. My current bank uses savings pots and I use them for saving monthly amounts towards things like car insurance or holidays. 
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Pots 
To me, it’s the main feature that will actually help me organise my money and make sure I understand what I can spend. Design for this is quite crucial as it has to highlight in one spot where is my money and what can I still spend on my day to day.
I would push to make sure you can customise visually each pot with a picture, an emoji, a colour or anything that could help make the differentiation. Perhaps the colours could match the categories.
Anyway, can’t wait to have these. So sad to see that it will not be until the next 6 to 12 months.
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That would be great! I have two current accounts with Lloyd’s now: one for salary and bills, the other for general spending, which I pay myself weekly from. I don’t carry the bills card with me, so there’s really no reason to have two account numbers. Just need the ability to recognise salary and specific direct debits and keep them ringfenced to a separate pot.
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I think this is a pretty good idea actually, since sometimes I would like to create pots for other stuff. Never investigated in my bank how easy is to set one, but because everything in Monzo is mobile first, I think it would be a much easier process.
But I guess with the outcome of the Fees Abroad poll, in case of holidays in Europe or anywhere else around the world, we would need to consider that not all the budget we’ve saved is actually available for use. That’s a bummer 
I’m so excited for this when it’s done - easier than updating my spreadsheet with CCs, esavings, ISA and LISA 
The key thing will be how these pots integrate with the marketplace providers, and that’s what I’m fascinated to see / the likes of nutmeg, moneyfarm, Masthaven, mortgage, pensionbee
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I’d love for the pots to have the ability to link to different cards, or at least to have hard limits/rules around usage.
For example:
- Pot A is the primary account linked to the debit card. You use this for all day to day spend
- Pot B is where all your DD’s come out of. So at the beginning of the month, you transfer all your bill money into it (rent/mortgage, credit cards, utilities, etc)
- Pot C is a savings pot, and anything you end up with at the end of the month you transfer into here
Using the above, if Pot A is empty or you attempt a transaction that exceeds how much is left, the app sends you a notification asking if you want to withdraw enough money from another pot to cover the transaction. So yes, the merchant will initially see a decline, but you have the option to still go through with it using the funds from another pot.
That would work for me + allow me to gracefully retire my original Monzo card. Curious if this use case would be relevant/valuable for anyone else?
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The original Monzo card is being pulled for everyone by the end of the year as it costs Monzo too much to run and ot has always been the end goal to get a Current Account.
Fair enough Ben, but my point is the legacy card provides a valuable service to help people manage their money. Pots, as I describe them above, would be a great way to transition it out of service while still providing the same value.
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Wow - so many good points raised across this post.
I thought I’d share some news from the Monzo Tower. After working on our banking licence first and then as a Product Manager looking after our internal tools, I have now moved as a PM into the Partnerships team (led by @anon67803503) to focus on Savings and Investments.
Naturally, virtual pots (name TBD) will be the starting point for us. Being able to move money between main account and pots seems like a logical first step to allow you to then invest that money someplace else, where you can earn something on it whether by opening a savings account or an ISA.
@anon173672 will be leading this on the Design front and we will be looking into an early version of pots to be released soon in the app. There are still a few moving pieces but something I’d love feedback on is:
What is the single-most important problem pots would solve for you?
There are so many different use cases, most of them that have been raised in this forum. However, I would like us to get in a position where pots are a reality in the app and then iterate fast on all nice additions that will make it a power tool for budgeting. Ultimately, pots should support all use cases that are currently being solved by opening separate accounts, using budgeting apps or even spreadsheets!
By the way, how would you call this new feature?
- Pots
- Jam Jars
- Accounts
- Buckets
- Envelopes
0 voters
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I’d prefer just ‘jars’
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pots or jars
maybe pockets or tins
‘Pots’ have been discussed so many times here that it’s (sadly) put me off the name completely.
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Great to know this is rolling! I think for a first version as long a I can put money into a pot knowing it won’t be withdrawn from if my card hits £0 then that’s a start. Not sure what will be too much development to begin with?
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The ability to share pots is probably what I’d like to see the most
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Ideally for me it would be a way of ear marking / protecting money for DDs that go out later that month, I’d much prefer a card payment declined whilst buying beer in a pub than my phone DD bounce.
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