Monzo has changed my life (for the better!), however a small pain it has introduced is manually topping up. A necessity, sure, however often I try and buy something and get my card declined simply as I have forgotten to top up! A bit annoying, and embarrassing at times…!
My solution for this would be some form of Setting to activate notifications/reminders if the Card balance is low. Something like a pop-up saying ‘Hey, you only have £10 (or whatever) left on your Monzo card, do you want to top up?’ would be super useful as I often do not notice the hint when I pay and it says ‘you have xyz left on the card’.
I guess this pain only exists as it is a pre-paid card, so arguably this will go away once we have current accounts, however this functionality would also be useful if we are approaching an overdraft or something. A warning to be able to transfer some cash from short-term savings, for example, would be very welcome.
(Of course, there is another solution…which is topping up in larger amounts on a less regular basis, but let’s leave that aside!)