I’ve had a Monzo account for a long time, unused. My primary account is Starling, and I’ve been using Dozens for my daily spending (lunch money, basically).
I want Dozen’s budgeting features to be great, but there are some holes I’ve talked about before. I’ve just glanced at the new look track screen, and I see things I like, but probably the most significant issue hasn’t been fixed?:
It won’t learn and can’t seem to be told that transactions at a particular location should fall under my “lunch” budget. I’ve now added 6 “retailers” that are all the same 1 or 2 terminals that I pay for my lunch on. It still either categorises them as general or “eating out”. I give up. (If it could keyword match the name of the retailer, case-insensitive, or be location-based, it would work.)
The nail in the coffin is the new and unnecessary requirement to insert the card and type in pin every x transactions. (To satisfy the law it could be done with a pre-emptive in-app reset of x, but even that would be annoying.)
Now Apple Pay becomes much more convenient for these payments where I don’t want to hold up the lunch queue!
So, poor categorisation and lack of Apple Pay means I’m going to switch to using Monzo for my daily spending.
I think the budget features are more simplistic there, but I’m hoping they’ll actually manage to automatically categorise all my spend at 1 merchant as 1 category.