I guess you're not based in the UK, but monzo(previously Mondo) (https://monzo.com/ ) sounds like the start of what you're looking for. Their API (https://monzo.com/docs/) opens them up to all sorts of uses for your bank account.

I don't believe they have a full banking license yet do they?

No, but we are led to believe this wont be long. They recently got partial approval with full approval expected next year. Not bad for a startup that has only been going ~20 months in quite a slow industry.

Money is currently stored with a third party that do have a license, so there are some guarantees that money wont be lost.

Germany based, sadly. But I'll keep an eye on them, thanks

Jeez absolutely. The lack of innovation in customer services in banking is awful.

A bank account wherein I can ring-fence amounts and set a preferential order in which these ringed resources are drained. All with alerts on top. "Warning: you're spending more than recommended on fancy breakfast items, jeopardising your ability to pay your AWS monthly bill (which by the way has increased over the past 3 months)".

I feel like digital wallets would definitely solve this but there is never enough demand from consumers or merchants to give them sufficient traction. Maybe it's just a really slow shift since the benefits are marginal for most people.

Google Wallet recently added integration to bank accounts though so at least there are some progress in that aspect.

I'm watching Monzo (previously Mondo) with interest.

You should be able to do this with a HBCI client like Hibiscus/Jameica or similar.

I'll look into that, however this means additional software on my systems. I think it really should be integrated into the normal account and work without me interfering