I just pay bills from our joint account 
totally separate!
Same. And all my bills get paid straight after payday so nothing to manage.
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Over engineered? Really?
You just got paid. Your bills pot is empty. You click it, it says you need Ā£1,200 to cover all your bills this month. You transfer Ā£1,200. You can now relax it the knowledge that everything will just work 
until your next pay day.
What is over engineered about that? It is a fantastic convenience feature that:
- allows you to seperate your bills from your other spending
- give you peace of mind that it will always be transferred from the pot in time
- show you an up-to-date remaining Ā£ of what bills are left to be paid this month (so if your pot is running low, you can top it up)
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Yep, exactly this, plus I have some bills that are monthly but I pay them annually. So itās easier to put the money aside and let it get paid without the concern.
Starling has spaces but to replicate this, would be a headache. I donāt want reminders to transfer money, I just want it to work.
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Itās hardly a headache to move money from a space to your main account. It is a maximum a minute of work
I actually didnāt know it told you what you needed. Thatās cool.
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As I said, itās great that (the Royal) you find it valuable 
.
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Not having bill pots is a huge miss for Starling. Considering how keen they are to add things, Iām very surprised they donāt have it.
I think many people have previously had an account for bills and one for spends. Being able to have them together is great.
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If this forum is anything to go by, itās easily the single most mentioned missing feature.
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In their quest to lure Monzo customers away certainly, but when the rest of the big wide world doesnāt have this, you generally donāt miss what you donāt know exists? It would be interesting to see how it rated with high street bank customers, whether itās important to them.
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For me, it would be a nice extra but it isnāt needed. There are other simple alternatives that work the same way like opening another current account.
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I guess itās something most banks donāt have so itās not a miss.
But I know I wouldnāt have moved to Monzo without bill pots, that was the trigger that made me move over with everything. With how determined all these banks are for you to get your salary there and use it āproperlyā this is something that would really help.
I think one account for bills and one for spends is quite common but I do prefer having it all in one place.
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But itās not all in one place, is it? Your spending money is in your main Monzo account and your money for bills is in the pots.
I canāt see how this is any different to having two separate accounts for bills and spending. Especially if you have both accounts with the same bank so you can see them together in one app.
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Itās all in my Monzo account vs some in Monzo and some in Lloyds.
I realise youāre all fighting the good Starling fight, but sometimes you can open your eyes a bit wider and realise this is a good feature that they should have.
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No one is fighting the good Starling fight. We are pointing out this āfeatureā is something that essentially exists at every bank where you can open more than one current account, just under a different name.
It would be your choice to split your finance across Monzo and Lloyds. It doesnāt impact whether or not this āfeaturesā exists at other banks under a different name.
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11 posts were merged into an existing topic: Removed posts August 2021
And at starling to have a second account they charge you Ā£2 a month.
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Yes. And? It is still possible to do.
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I donāt think that banks let you open accounts under different names? Unless Iāve completely misread the regulationsā¦
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Can you see that, while you might prefer the Starling solution, some people might prefer a free second account elsewhere - and that some might prefer Monzo and bills pots? And that either opinion is okay?
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