Top up amounts

[HoddzDJ]

Having to top up in multiples of ten seems a bit daft. Although that may just be me. Surely it would make more sense to allow us to input any amount to top up our accounts by?

[zancler (Zander)]

Hey Ben!

Here’s some reasoning from @hugo regarding the exact topup amounts on another post:

@hugo

The reason for not having it is twofold, classic design trade-off.

We want a simple progressive input. If we bring a keyboard we need to deal with limits, decimals, errors, an extra zero can be a huge mistake and the keyboard will cover the payment buttons (so you need a dismiss, etc.) There are ways to avoid all this (in fact many of these problems will affect us once we build P2P payments and the user types the amount to transfer) but it’s not worth it at this point.
Once we are a bank you’ll get your paycheck in Mondo to “top up”, and you don’t get to decide how much you earn each month. So we don’t want to incentivise “fake” top ups that don’t correspond at all with real expending needs. Does it make sense?

It’s something we’ve thought about quite a bit before, and think the reasoning we have holds up. It’s worth mentioning that it’s possible to topup via bank transfer if you’d like an exact amount

[hatimbt]

Topping up by bank transfer / standing order

A few people have asked whether they can top up by bank transfer/standing order and the answer is yes It’s a feature we’ve had for a while (and was initially the only way to top up) but it’s pretty hidden. You will need to stick within the top up limits (detailed within section 17 of our terms and conditions https://getmondo.co.uk/terms). Details are: • Account name: WDCS Re Focus • Sort code: 20-59-42 • Account number: 13219585 • Reference: (the 9-digit number on the bottom left of…

[SilviaH (Silvia Hernandez)]

Same here, I find myself giving money back (in cash) because I cannot take a certain amount of money from another account.

[Adam9W (Adam Weston)]

While I understand the reasoning behind this, I’d like to add / question the logic behind the top up system when you go over £100. It goes in multiples of £10 up to £100, then jumps to £150 then £200.

I’m using Mondo as a great potential budgeting tool - so wanted to Top Up £120 today. Annoyingly has to be done in 2 transactions.

Surely this can be reviewed?

[hatimbt]

:mondo: allows you to top up upto £3700. It would become difficult to get to it with £10 increments.

You can always top up any amount by bank transfer. Bank transfers are usually minted at around 11 am every working day. So you should see it within atmost a working.

[zancler (Zander)]

I’ve had a similar situation before so understand the frustration. It’s a question of balancing speed vs flexibility — as @hatimbt mentions, if you were wishing to top up to the maximum amount (or even any relatively high amt) that would be hundreds of taps, which is far too much, but of course there are instances like yours where you end up trapped in between two ‘almost’ amounts. As time goes on we learn more about how and when people top up, plus introducing sophisticated budgeting inside of the app, I think we’ll able to challenge and fix issues like this.