Sorry if that sounded sarcastic or arrogant (which it probably did). As mentioned by @anon99402360, Amex doesn’t quite follow the Open Banking standard as other banks do, therefore you can say they are a blocker here.
Happy to resume this in the other post👍
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Sorry to bring this back - I just want to reinforce my point. I am not too updated on this, so you can correct me here, but if you want to integrate with Amex (such as Yolt and I believe Emma does), you need to literally share your Amex plaintext password to that third party. 
My words might be harsh, but I try to stick to the truth.
Now I’m done here 
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Only 9 UK banks have to release open banking API’s - Amex isn’t one of them.
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Hi Arthur,
I have some friends that owe me some money and I’m not great at keeping track of when they paid me or how much. What I was hoping was available with Monzo and IFTTT is the following:
I would like to create a pot and label it “Friend IOU” which can only be unlocked when it reaches the full IOU amount.
I would also like to link it with IFTTT, so whenever I receive a payment from a friend with with a payment reference IOU (or something of this thinking to avoid mix up with paying for pizza etc) it would go directly into my Monzo pot. This way I can easily track what has been paid in, when and how much is remaining until the IOU is settled, plus by being locked it means it doesn’t fall into my normal account and gets spent.
Is this something that already exists? Or similar?
Let me know.
Thanks,
Josh
If you use bill splits or shared tabs feature these will all appear in the payments section of the app under shared.
(Not the answer to your question but might work as a workaround).
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+1 to @anon99402360 's response here. This sounds like a long workaround for something you can mostly achieve with bill splits and tabs
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Great. Thanks for letting me know. I’ve only recently joined Monzo so will check out those features now!
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Follow up question. Would my friend have to have a Monzo account for the bill/tabs to work?
No. On the screen where it asks you to pick, just click next and you’ll get the option to add people not on Monzo.
It works better if everyone’s on Monzo, but functional if not.
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Yet I’m the wrong one, they say.
Government mandated for sure: not for AmEx though. Thus my point stands I do believe @anon99402360, but I wouldn’t accuse you of having strong opinions on little to no information because that would be not very nice.
When my team wins, deposit X amount into my savings pot.
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The team part is outside of Monzos control. What service do you use to provide your team results? Are they on IFTTT? If so you can achieve this now 
Yes, sorry I should have specified this could be for IFTTT.
Personally, I use the Google app or website to check any scores but this would be a cool automated feature if there was a way for IFTTT to implement that.
£1 deposit per yellow card, £2 deposit per red card.
Do none of the sports services that are on there do this already?
A single AMEX one (I know you can do it but would be nice to just have one)
Had no idea it costs but I suppose that’s how IFTTT make money. Does the cost outweigh the usage? I’ve been using IFTTT integrations since the beginning and I’m at the point where I treat them like baked-in Monzo features (retailer triggers to take money from pots, specifically) - but I love the sound of some of the features you mentioned above - especially for incoming trans triggers!
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Just a quick update on this.
I have a POC working quite well in our test environments.
I am just getting in touch with our legal team to make sure we are covered with our T&Cs.
For example: what happens if you setup an IFTTT joint automation, but your partner isn’t up for it?
Shouldn’t be a problem (given the joint account T&Cs), but we are trying to cover every base here.
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POC? Piece of Crap?
What does it mean?
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Proof of Concept. Sorry for the jargon
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Good point. Maybe a prompt can be initiated?
Example - I set up an IFTTT trigger to flash our kitchen lights red when my (amazing) other half spends using our JA. I think it is great when creating it, but we both get a notification that a new IFTTT has been set on the account with an ‘Approve’ or ‘Decline’ choice. Mrs W doesn’t agree that it’s so great, so she declines.
While it is ‘Joint’ and we personally would go over the IFTTT action (and discuss it between ourselves), there may be instances where less ‘joint’ applies. So an approval/rejection step is fair and reasonable?