Updates

We’ve got card connections working! Auto top-ups are now scheduled and starting to roll.

We ran into some issues refreshing the Monzo token and updating metadata instantly (like the remittance info from your credit card), but that’s all squashed now.

In fact, we’re actively spending just to see those transactions sync over 😄

Another big step: Potzo is now successfully connecting to credit card providers via GoCardless.

This unlocks the ability to read balances and transactions. We’ve already started testing initial top-up flows to match your pot to your card.

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🧭 What’s next?

Support for all card structures

We’re working on correctly parsing the most common credit card formats — from Amex to Barclaycard to Capital One.

Handling payments

Soon, you’ll be able to automatically sync payments and top up as you spend.

Big milestone: Potzo can now fetch your Monzo pots via OAuth.

That means once you’re logged in, you’ll see a list of your pots (with emojis, names, and balances) — ready to sync your spending.

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🧭 What’s next?

Connect your Credit Card

We’re finalising secure Open Banking links via GoCardless so you can connect your Amex or other credit card provider.

Top Up Automatically

We’ll ask if you want to match your Monzo pot to your current credit card balance.

We’ve got a big piece of the puzzle in place: you can now log in to Potzo using just your email and a secure magic link — no password required.

This unlocks the next key steps:

• Secure Monzo OAuth connection ✅
• Pot selection UI in progress 🔄
• Credit card linking via Open Banking 🔄

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🧭 What’s next?

1. Pick a Pot Once you’re signed in, you’ll be able to choose a Monzo savings pot. If you don’t have one, we’ll prompt you to set it up and come back.

2. Connect your Credit Card We’ll support linking cards (like Amex) using Open Banking via GoCardless. This is how we pull in your spending securely.

3. Top Up Automatically After linking, we’ll ask if you want to match your pot to your card balance. One tap and you’re covered.

No one has access yet — but things are coming together!

Just a day after sharing Potzo on Reddit, over 150 people have already signed up to hear more.

What started as a personal tool to sync Amex and Monzo has clearly caught some interest — so I’ve decided to build a public alpha.

Some of the early reactions genuinely caught me off guard:

“This is all I’ve ever wanted from Monzo”

“Sounds heavenly”

That kind of feedback makes it really easy to keep going.

Over the next few weeks, I’ll post updates here as things progress — what’s live, what’s tricky, what’s coming next.

Big thanks to everyone who signed up, messaged, or shared the page. You’ve helped turn a small idea into something real.

- Hasan