Hey there, guys!
First of all, apologies if this idea has been shared already. I wasn’t able to see it though, so thought I’d create a new thread.
One of the main things that prevents me from having my salary paid directly into Monzo, is that any money that is transferred out of the account is assigned a category and is incorporated into my monthly spend figures. As such any funds that are sent to a savings account or similar, are shown as £s spent. To work around this I’ve left my salary with my legacy bank, then divided it up between accounts from there.
Further to this, when products are purchased for someone else, these also show in your monthly spend; even if said third party sends you the money for the purchase, there is no way to counteract it.
I know it’s a relatively small thing, and I’m not sure how much work it would take to implement, but my suggestion would be a spending category called Exhemption (or something along those lines): any transaction attributed to that category would be ignored in your overall monthly spend.