Well, I’m on Android so I haven’t got the “pulse” yet and with card based payments (such as to Blizzard for World of Warcraft etc) which can’t be on direct debit and may be more “irregular” (every month/3 months/6 months/yearly) than expected for direct debits.
It’s on the roadmap for the Android app.
Since the functionality that Hugo’s described isn’t only designed for Direct Debits, I’d hope that it will be able to handle less regular payment frequencies 
I’m going to close this thread for now as there a lot of great ideas and discussion points getting lost! Please feel free to pick up on these talking points in new threads, and as ever, keep those extraordinary ideas coming! We’ll be adding to the board as and when with inspired suggestions made by you on Twitter and here on the forum.
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We’ve just updated the extraordinary ideas board with some of our favourite crowdsourced suggestions! Thanks to everyone who shared their lightbulb moments with us, keep them coming 
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Hey, I don’t know if that has been suggested before but I think we should be rewarded for Golden Ticket referrals! Like refer one person and you get a golden ticket badge, 5 people you get a £10 amazon voucher, 10 people £25 voucher, 25 people £50 voucher and 50 people a £100 voucher or something like that! Make it worth while people promoting Monzo and referring people!
What’s your thoughts?
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Seems to be going ok so far without handing out actual rewards 
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Hey, I’ve suggested this elsewhere but a fantastic product called Splitwise already exists. You should try it next time you go away with friends. IMO an integration between Monzo and splitwise would be amazing!
(Splitwise does all sorts of crazy bill splitting and loop closing)
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Two ideas that would help me alot:
- A way to automatically split certain bills with house mates so as the payment comes out, it’s taken from all accounts.
Possibly provide fee free overdraft for the direct debited account for the duration of the transaction being split between users (if arranged) so that the direct debitee only has to hold funds for their portion of the bill.
- A way to track who has paid me back for a shared cost. Eg I pay for 3 poeple’s dinner. I send a Monzo.me request. I can now click on the original transaction and see the status of those requests, if paid or not, in the transaction page. Also have a separate screen that shows all outstanding owed amounts.
Would Monzo ever allow users to opt in to paying an annual fee for the current account?
I would personally be up for this for a few reasons:
- In the ATM fees thread, the cost per active user per year was put at ~£30, £16 of which was ATM fees. In terms of value, using Monzo has saved me much more than £30 per year.
- It would enable Monzo to focus exclusively on serving its users. I am comfortable with the approach to Partnerships so far, but worry that in the future it might become tricky to keep balancing the interests of users and revenue from Partnerships. Similarly, Monzo income from overdrafts could create a perverse incentive to push these out to users.
- I care about privacy and worry that, in the future if Monzo lacks a stable revenue source, it might compromise on my privacy.
This might not be for everyone, but I would be interested in whether others would find this a helpful option. It could come with some benefits - e.g., opting out of partnerships or enhanced privacy settings.
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+1 for Splitwise. I use it almost daily. Would love to have a ‘settle with Monzo’ link in Splitwise, and a ‘send to Splitwise’ link in the Monzo App.
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Ability to prevent payments to certain merchants at will, such as specific fast food vendors, gambling companies, etc. Helpful for those with spending goals!
Nice idea! 
Share your support for it here.
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Looks like this is a place for ideas.
I’d love to see my “eating out” category instead become “expenses” between 9-5 or when I set the time window.
Just updated! 
Thanks to @anon61031250 @richyb @jbailey @Hemingway97 and @joshpriceonline 
️
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Hey guys, it’s pretty bad of me but I had no idea a thread like this existed. I had a few ideas over on twitter and have been told to place them here in future. And since I’m too lazy, I’m just going to paste it over from there, ha!
Hey guys, just a few ideas for what could be done to make pots better (in my opinion). Everything at Monzo has looked fresh, even in the alpha and beta things didn’t look half cooked, but when it comes to pots it just looks as though it was slapped together as a way to counter Starling.
The little animations that you guys have every now and again add to the voice of Monzo, you have a brand, use it. An example of how good animation can still be incorporated into an app and yet still look professional is the Starbucks app and their star point system. Buy drinks, a star gets dropped into your cup. I’d prefer a transition animation of money being dropped into a pot or something. At the moment the ‘pots’ are just a square box with an image that can’t be customized… They actually make me think of a boring Trello list, doesn’t scream Monzo.
Being able to add a savings pot target would be handy, and then whenever money gets added you can see the pot getting full. When you reach your target a little Monzo card character which you’ve used before can jump into a pool of money like Scrooge McDuck, haha.
I know a lot of this is just personal preference, but look at the app and tell me where is the fun. I know Monzo is a bank, but you can’t rely on a bright card and hipster following to keep you going when N26 (which has a genuinely beautiful design) and other banking options are moving in. Cheers!
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