Could the monzo api webhook system be updated to send out notification of pending transaction like Bacs payment and direct debits and the like.
That way you could move money into a pot or update perform some action based on the notification
One other suggestion could you define the type of notification you get back from monzo on the webhooks
If you only wanted the one type of notification return rather than all of them.
Why have you reposted your own thread?
And another thread for the same thing.