One thing (as a techie) that keeps bouncing round my head, and seems ideal for Monzo, is this : Simple scripting/actions for the current account.
So, as examples, if I could set up options like
- When I pay in £[x], immediately transfer [y]% of it to my savings account
- When I pay in £[x], check my balance, and whatever amount is over £[y] can go to my savings account
- When I pay in £[x], pay my [z] bill
- If my account balance drops lower than £[x] and I have a savings/secondary account, transfer £[y] from savings to current
They might not get used by lots of people, I don’t know. But it’d be a cool and new way of doing stuff - particularly for the savings auto-transfer, so you don’t have to remember to do it!