When I was with First Direct they had the option to sweep excess money into the savings account at the end of the month. So if you set a value of say £200. And you had £270 left in your account on the last day, £70 would get transferred into your savings (if I understand it correctly).
What I would love - as I’m using monzo to help pay off debt - is to have such a feature that would automatically send the money into my credit card.
Not sure the feasibility of doing it with non Monzo credit cards. But it can’t be impossible. Perhaps it could work in a similar way to when you do a balance transfer, but it would ensure I put any excess funds into the right place rather than on £17 underwear.
You could have a notification that says ‘you have £70 left over this month, want monzo to put it into your credit card?’