I think the shared Goals could work well, provided that both users have full access to view them, add/withdraw funds, receive notifications, etc. Our financial arrangements sound very similar to @Jamie_Dunbar, in that we have a joint account for DD’s and personal accounts for day to day spending. My salary currently gets paid into the bills account (Nationwide) and I move the amount that’s not needed for paying DD’s into Starling.
In theory at least, a shared Goal with the ability to have DD’s and SO’s would work. Salary into Starling, move the amount required each month into the Bills Goal and both users can see the Goal and all of the transactions in their own app.
If this was implemented then it would be important to consider how the spending reports would work, and the degree of filtering the app would allow. For instance, users might want to see just their total spend categorised, regardless of whether it has come from the Goal or their main account, or they may want to be able to see the Goal spend and main account spend individually.
A consideration related to this is the extent to which Starling, or a third party integrated app, could help with budgeting and forecasting. For most people, bills take a large chunk of their income, and being able to assess changes and trends over time could help to save money. I’ve been playing around with Yolt, and it’s great that it now integrates with Starling, but it would be better if Starling were able to offer this type of functionality directly in the app.
An obvious option for me would to have some basic forecasting/early warning functionality built into a Bills Goal. You tell the goal how much is due to go out each month and the date on which it is topped up. It would then warn you in advance if there will not be enough money in the goal to cover what is predicted to go out before the next top up. If you are ace at budgeting and managing your money then you may not need this, but some bills are variable and you may decide to ‘borrow’ from the Bills Goal for a one off spend and then ‘forget’ to replace the money (I may have been guilty of this from time to time ).
Finally, rounding up transactions and saving the change has been mentioned in other threads, and this feature could work well for a Bills Goal. Most people would probably not budget to the penny, particularly as some bills vary month to month, so the ability to automatically move any money that is left in the Bills Goal before it’s next topped up into a savings goal would be useful.