What would the Community like to see from Monzo Plus in Q4?

And then when your monthly budget is £500 and you transfer £500 in to pay your insurance, it will tell you that you’ve spent all your monthly money without allowing for the inbound transfer from the pot.


Pot Transfers to be Categorised and Included
This is a big thing for me… i treat pots almost like external accounts which have a specific aim (e.g birthday present, ps5 etc).
So in the same way that i can include a transfer to an external account in my budget by assigning it to a category id like payments to pots to be included as spending in my budget.

That way its alot easier when it comes to making that one off big transaction and just excluding that from summary.

Roundups Categorised Independently
Another thing is if movements to pots where included then roundups, id like to catgeorise the roundups differently to the transaction. For example if i spend 26.20 at tesco i want that 26.20 categorised as groceries but then the 0.80 to be categorised against my category for which im saving towards e.g entertainment if its going to my PS5 pot or so on.


Although I would definitely like to see development in Summary/budgeting in the app, one thing I hope never to lose is the “You’re set to have £XX left over” at the end of the current period feature. I love it. It always encourages me to curb spending as the month goes on :slightly_smiling_face: I don’t mind if there’s tinkering to how the figure is calculated, I just wouldn’t want to lose it :slightly_smiling_face:.

A simple addition to this that I would like is for it to tell me how much I can spend a day for the rest of the period (left to spend divided by number of days left).


:point_up: Me too :crossed_fingers:


My money back? :joy:

Excellent list!

My personal wish list would be:

  • The full Monzo experience for connected accounts (so full transaction details, comprehensive history that doesn’t vanish after x days, ability to add notes, categories etc, enrichment etc)
  • Link virtual cards to merchants and add them to Google Pay
  • More connected accounts - and present net worth in the app (so link to Zoopla or Right Move to pull in property value, connections to mortgages and investment platforms, and the ability to manually create and update the value in an eternal account - preferably with smart rules like in Emma.)
  • Analytics across all accounts. Tell me my average spend, let me interrogate my data and find insights. For me, looking back and assessing is much for interesting and useful than looking forward and budgeting.
  • Built in IFTTT stuff. Worth a bigger post, but this is really important! [Edit: post now here]

Apologies for the double post, but one thing I forgot:

  • The ability to set a pot as an off-set pot. This would mean that you can be overdrawn to the value of the funds in the pot and not pay overdraft fees.

(I know this is standard Starling functionality and some people feel strongly about this - but this isn’t the place to reopen that debate).


Include external accounts in budgeting
Allow for unsupported external accounts to be included in budgeting - is be able to say I have a savings account with £x and include that in budget

YNAB style budgeting would be great

Integration with YNAB would also be great


Here’s that bigger post:

If anyone’s interested, jump in and let’s discuss over there. It’d be good to develop a bit of a community proposition for Monzo to mull over!

Hey @richardcadman, some really basic things for Summary in its current form:

  • You can’t label incoming funds as repeating
  • Get paid early breaks it
  • It’d be good for it to reset whenever Monzo knows that you’ve been paid

Ultimately, though, I think it needs a fundamental overhaul. It seems to me to be a mixture of things, none of which it does very well. In my opinion, Monzo needs distinct places to a) manage current month’s spending, b) look backwards (analytics and insight on spend), and c) look forward (comprehensively budget).


American Express is now an option to add on monzo plus. Awesome.

Make a meaningful effort to include Joint Accounts. I hardly use the personal account, but would use Monzo Plus with my Joint Account.

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As we only use our Joint account then support for Joint accounts would me my top priority. There are lots of really great ideas on here but Joint accounts holders are unable to take advantage of Plus as it is now.

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I’m on a bit of a roll this morning: I’d like to use the Monzo app to make payments between connected accounts as well as just viewing them.

(Actually, I’d like to get as close as possible to the Monzo app being able to fully service connected accounts, but one step at a time).


These ideas are great, thanks for sharing! I especially like the mental model @Peter_G is using here :arrow_heading_down:

Please keep sharing if you have more ideas on summary / budgeting, or Q4 in general :blush:


Budget hierarchy.

This weekend I spent money in London on a weekend away. Is that holiday? Is that eating out? It’s technically both but I can’t categorise it as that, not equally anyway.

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To expand on this point a bit. In this thread IFTTT + Google Sheets + Monzo = Then what? there’s a few of us that have built something to try and see our data a bit clearer.

There’s graphs and tables and charts etc. I consider myself fairly handy with Excel and there’s people there much better than me who are much smarter. There’s also people who are less sure how to create anything meaningful and do they even bother or just don’t touch this functionality? I’d be curious if you could say the % that have the Sheets integration turned on?

I built this -

It’s very very basic, looks pretty naff but gives me an overview of my spending for things I like to try and measure. I’ve probably set it up in a very convaluted way that doesn’t scale for everyones use etc and I realise that if Monzo set up a template, they don’t want to be support for “What does #ERROR mean?”

And then look at this!

Imagine if you turned on Sheets integration and it built something like this. Even if it was just a one off, a “Your Life in Monzo” but to be able to see you spend £90 on groceries every week on average but it’s more if you go after work on a Friday in a rush. Or that you buy work lunches more on a Thursday, or you spend more on a work lunch because you’ve started going to Pret instead of Greggs or that your fuel has gone up since whenever. Just little things to look at and make it more worthwhile that all this data is here.

People love the “Your Year in Monzo” and I’m sure they’d love it more if it was all of it, and all the time.


Far more flexibility over virtual cards. Payment.com gives 10 virtual cards for free. If I’m paying for it, I expect more than a handful, including instant burner cards etc.

Just use moneydashboard? It’s free and does this already.

Does it? Not that I’ve seen. Plus I don’t want ads all over it.

US only isn’t it?

But this isn’t yet another “You can get this for free/better from website.com waaah” it’s about improving Plus.