Any news about pockets/pots?
We are releasing stock trading first, hopefully, we can deliver this too - we are just having a look at the economics. 
The good thing is that investments uses the same tech for pockets, so we donāt have much to build (like two weeks).
Stock trading definitely is more important.
I am curious to see it.
Iāve recently started using Zopa Smart Saver. I like the Boosted Pots feature. Itās basically notice savings accounts via pots, and as such is more dynamic and user friendly than traditional notice savings accounts. Maybe worth taking a look.
Hargreaves Lansdown has a similar platform. The problem is that the fixed rates can now be beaten elsewhere, so itās a bit pointless!
I wouldnāt characterise it as similar to HL Active Savings personally.
HL has a savings marketplace within which various banks can provide accounts. The accounts are not āpotsā but rather full accounts and they donāt (currently at least) offer notice accounts. They currently offer easy access and fixed term accounts.
Zopa donāt operate a savings marketplace, use the concept of pots to partition money within a single account, and these pots can optionally have notice account terms.
Itās the combination of pots (more flexible and fluid than opening completely new accounts) and the option of notice terms for higher rates that I like. I think this works well for savings that are accumulated into the pot throughout the year (so not suitable for fixed term accounts) and accessed at a predictable time (so you know when you need to give notice). Examples include pots used to save toward annually paid bills or holidays.
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Okay, worst come to worst, we should be able to start building this in September and maybe it will come out in the same month.
At first, weāll have unlimited pots and savings goals. Weāll then work to add interest, roundups and any cool feature on top.
I guess thatās a bit like Hyperjar except they only offer āinterestā for partner merchants where money is kept in the jar for a committed period of time. Pots without partner merchants have no interest.
I think I might take a look at the app youāve mentioned. It sounds good. Thatās until Emma comes to play of course 
I am pushing for releasing this end of the month first few weeks of October.
We are going to release Unlimited Pots for free.
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This is how itās going to look like.
We are going to share the available balance with the Invest feature and this can be used to invest in stocks or transfer money into pots.
Market leading interest rate?
It will come later, but it will come.
Would you consider implementing a āBills Potā type of feature? Personally canāt see myself using it for savings.
This would require to have direct debit support for each individual pot?
What about people who do their bills in bulk from one pot/pocket, Monzo simply withdraw the pot amount equating to the bill, does it have to be DD ?
You can still withdraw from a pocket and itās a faster payment.
Off course, but where Iām getting at is, where thereās currently no incentive to use the product unless you apply interest, even then itās a very competitive market, if a vast majority of people are using the app to budget, why not adopt the most fundamentally useful feature 
if Iām tracking and holding the money to pay for the bills in the same place and had the ability to schedule a withdrawal, thatāll probably benefit a lot of people.
We are going to apply interest.
And we want to compete.
There is way more value to hold money than budget.
Value to the business versus value to the consumer are two very different things.
Itās a budgeting app, thereās obviously still some wrinkles to iron out on the basic functionality.
Holding money in a position through a budgeting app for a small amount of interest versus having the consumer natively deal with their finances through your app is a major donāt jump before you can fly moment and to some degree the features are feeling rushed.
Some examples below
the invest platform is still incredibly basic.
internal transfers through the pay icon doesnāt put my full name and fails unless itās a recent sync.
The transactions canāt remember all edits.
All very basic foundations and youāre already pushing for new avenues and features.
Those are just a few examples from my experience as a paying consumer and investor.
IE as we talked about earlier, going through the hoops in replicating bugs and screen recording, compressing files, going into the live chat to fix an incorrect icon or name is a long winded process for such a basic feat.
Not that I mind terribly with the above example, Iām just emphasising the fact with it being a nice gimmick to have pots, I donāt feel itās worth it.
People arenāt going to scroll through their App Store, see the name āEmma - Budget Planner Trackerā and assume you have a pot feature following by putting money they canāt afford to spare into said pot due to the financial living crisis.
Itās all common sense.
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