No, the Marygold app works perfectly well with you linking any external account to it.
There are three reasons why customers link their external accounts to Marygold:
1. To use (non-date) nudges
Customers can use date-based nudges without linking any external accounts, but if you want to use the other nudge types (e.g. pay day, excess balance, low balance alert) these require access to the balance information in your external accounts. They simply can't work unless you have linked the accounts in question.
2. To get a broader view of all their finances
When customers link non-Marygold accounts in the Marygold app it allows them to get a clearer overview of all their money no matter where it is kept, making it easy to track their money.
It also helps customers manage their finances by making it easier to move money to where it is needed. With all balances in view, and me2me transfers, customers can move money seamlessly between all their accounts (Marygold and/or external).
3. To use me2me transfers between all external accounts
Me2me transfers are a seamless way to transfer money between your accounts. Me2me works by default between your Primary Account and Marygold Account. But if you link other external accounts, you'll also be able to use me2me across all linked accounts.