I rely on Monzo Pots to ring-fence my money so I can meet my obligations, avoid impulsive spending, and achieve my longer-term plans.
Fatigue sometimes makes the Monzo app too complicated for me to use. Since I can’t predict those days, I built Potzo — a macOS terminal app for moving money between Monzo pots just using your keyboard: no phone needed!
It’s very simple, but it saves me a lot of time in general and crucially, when it’s a hard day, makes moving money for spending or salary sorting possible.
What it does now:
Move money between pots instantly from your keyboard for fastest and simplest experience
See your available balance, total amount and spent today at a glance
Written as a text mode user interface for speed
Automation-friendly. All actions are available as CLI commands so you can script and schedule if you’re a bit of a teach person
What it could do in the future:
macOS graphical user interface
Salary Sorter from Spreadsheet – load your budget spreadsheet and auto-distribute your salary
Transaction search – simpler than the Monzo app to broaden accessibility
Jump to pot by typing its name – no more scanning with arrow keys
Deposit-all / withdraw-all actions – no need to type an amount
Would love to hear if there’s anything missing. Potzo uses the Monzo API (https://docs.monzo.com), so we can only add features the API supports:
List accounts and view balances (including pots and daily spending)
Fetch and manage transactions (amounts, merchants, categories, notes)
Handle savings pots (list, deposit, withdraw)
Add receipts to transactions
Create custom app notifications
Attach images (e.g. receipts) to transactions
Recent experience has taught me that it doesn’t take much for a part of your life to become inaccessible due to complexity, so I’d be extra motivated if any feature could help here.
Judging by the Monzo API I think I could enhance the app to support multiple accounts, allowing you to switch between accounts, or even display multiple accounts on one screen.
The API does not allow Potzo to move money between accounts however, but moving between pots within each account is possible.
Does that cover your need? By all means expand on what you want to achieve and why. That might help.
Is this at all related to https://potzo.cc? If not you may want to pick a different name. Given the amount of emoji in your post I have to ask, is this vibe coded?
No, it not in fact related at all, thanks for checking. Will see about an alternative name.
re: coding approach
It’s developed by AI via a detailed and pre-validated spec (Spec-Driven Development) as apposed to ‘vibe’ of an iterative conversation.
I writes specs for my day job and I prefer this approach for cleaner code fewer layers of technical debt and a single source of truth.
Spec-Driven Development with AI:
Detailed specs first (requirements, architecture, tests).
AI follows spec strictly.
Structured, reliable for production.
Slower start, better maintainability.
Vibe Coding with AI:
Intuitive, exploratory.
Prompt AI casually, iterate on feel.
Fast for prototypes, creative tasks.
Less structure, higher risk of drift.
re: The Emojis
The post was written by hand, emoji’s added then sent through a ‘check for grammar and spelling’ prompt. I take full responsibility for the raft of emojis!
I’m actually the founder of Potzo (potzo.cc mentioned above)
We’re building in a slightly different direction, automating pot movements when you spend on your credit card, but great to see others solving Monzo pain points - esp with pots
We just recently registered with the FCA if anyone wants to check us out.
Shame Monzo don’t feel obliged to fix the pain points themselves (it’s not like they don’t have the staff or resources) as the provider but yes where Monzo aren’t bothered good to see the community taking it into their own hands
Move money between pots instantly from your keyboard for fastest and simplest experience
See your available balance, total amount and spent today at a glance
Written as a text mode user interface for speed
Automation-friendly. All actions are available as CLI commands so you can script and schedule if you’re a bit of a teach person
macOS graphical user interface
Salary Sorter from Spreadsheet – load your budget spreadsheet and auto-distribute your salary
Transaction search – simpler than the Monzo app to broaden accessibility
Happy to answer any questions! 
