Hi team…
Have just received this email below regarding the new main pot and savings pot concept within the 212 card coming Feb/March.
I have a standing order that puts money on to my card account monthly, I don’t have the app on my phone as I don’t want to be checking things regularly.
Will it be possible to transfer to a specific pot? As having to login monthly to move my cash from one pot to the other is a bit crazy.
Thanks.
Hello there, @muchtolearn 
It’s great to see so much excitement about the pots! It’s too early to answer such questions, but we’ll share more about the specifics when we get closer to the launch.
I have been wanting something like this for ages.
It’s been a bit of a pain keeping my GIA and my cash in the same place.
Will both pots still earn interest?
I think it is a really great idea.
I personally am not “excited” about this new feature that is being imposed on T212 Invest accounts. I actually like that I could directly spend from my uninvested cash, and I believe that the requirement to manually move cash to this new “Spending Pot” in order to be able to pay with the card only adds unnecessary friction/complexity.
Please let users who prefer the current pot-less situation at least opt out of it.
I think this cash pot split absolutely terrible, with no reasonable use case.
I have gone back and forth a bit with support, and they are under the impression that forcing this on us is for our benefit, as opposed to just making our lives harder.
I would understand if they said something about regulation and separation of investments vs spending, or if they said that this makes Trading212’s life simpler in some way.
Or even if this were a trick to reduce how much interest they would pay out on cash. Like how banks make you split your balance into your current account and your savings account, where every drop you keep in the current account is money that earns much less interest (or none at all). Basically regular banks add this two-pot complexity, but at least they do it in order to trick their customers out of money.
But no. Trading212 mentions no regulatory requirements, and both pots would continue to earn the same interest.
So it’s just an extra hurdle, for no reason.
I’m trying to rack my brain about why anybody would want this. The only thing I can come up with is that maybe this is for people who cannot help but every month immediately spend any and all money they have, until all their cards are declined. And they could potentially be helped by some cash being “locked away” unattached to any card. If that’s a typical person, then that makes me sad. Even then, shouldn’t these people move their savings not to the “Main pot”, but to a Cash ISA? It’s a flexible ISA, right? So it’d be no more locked up than the “Main Pot”.
If this is why you want to add complexity and hurdles by splitting the cash pot, then I feel like I’m being punished and needing to suffer just because other people are failing to plan. And really, is it Trading212’s responsibility to force these people to behave better?
One way to fix this feature is to:
Alternatively:
That way I can keep a zero balance on my “Other Pot”, and pretend that T212 doesn’t even have this complication.
And this was the actual reason for my post, It wasn’t for the feature it’s actually turned me away from the card, sadly. With this feature and nothing much in the way of cashback, its more hassle for me than it’s worth.
I read the spending pot would be available on 28/02.
But I still do not see it, neither in the web app nor in my Android app.
Any update ?
Thank you
We are gradually rolling out this feature to all users. Keep an eye on for app updates, and you’ll see the feature soon 
thank you Bogi for your reply!
A post was merged into an existing topic: 
The 212 card spending pot is here!
to the people who see this as useless - i see it very useful;-) But I agree it could be optional if you have pots or not.
For me having all the money in one pot was why I was not using t212 card. I sometimes have thousands of EUR in the account to invest and I do not want it to be available on the card for security reasons. Today your card can be missuesed without your fault, so it is a big concern for me. With the pots, I can have smaller amount on spending pot while my large amount is safe in the main pot.
The point of this is honestly lost on me.
It seems to add more friction. I loved the ability to be able to use the main pot as I wished and be able to spend without remembering to transfer funds over. It would be great if this could be made optional.
+1 to make it optional. Previous functionality was so much better.
