Hi, I like to separate my ‘spending money’ from my money to pay for overheads (mortgage, council tax, utilities etc.) so I don’t overspend.
To do this I use Monzo for spending money and a current account with another bank for overheads, which is a bit clunky.
I know it goes against the grain of Monzo’s pots, but could you consider a transactional pot which allows direct debits and standing orders to be taken straight from this pot?