Great mocks, @D-T-O.
I prefer the version you originally posted. It’s cleaner and feels less “busy”.
I also like the idea of a separate tab for pots if - and only if - Monzo doesn’t evolve to showing other current accounts. I think that the card + pots model only really works in the one current account world. I’m also a bit offput about the tab saying ‘card’ - it reinforces the idea that Monzo is a prepaid card rather than a fully fledged current account.
On that note, I wonder if you’d like to take a go at a cleaner / more elegant version of the account tab I mocked up here?