We’re looking into a feature where Monzo calculates your tip for you, and you can choose to exclude the amount from your remaining balance, so that you can budget better.
@mnouira has left a great suggestion on the features Trello board, which suggests "it would be good to use all the data available to make “smart” suggestions for tipping. Things like merchant category, customer habits, account balance etc…
This algorithm would need to learn from the amount of data collected and make meaningful suggestions (e.g. never suggest a tip if transaction comes from Walmart or suggest a 20% tip because customer always gave 20% tip at this restaurant in the past)"
We’d love to discuss this in more detail here, and hear thoughts from others in the community!
Excited to start figuring this out with your help!