Sometimes (after a certain number/amount of transactions on the same day?), the spend notification includes ‘You’ve spent £{amount} today’. With a joint account, this message is incorrect, as it includes money spent by the other party of the joint account.
Details to reproduce:
Have a joint account between people Gamma and Delta
All on the same day: Have Gamma make some transactions, totalling £30; have Deltamake some transactions, totalling £40.
Then have Gamma make another transaction, for say £3. A spend notification will then be received by Gamma , including the text You’ve spent £73 today, which isn’t true - Gamma has only spent £33.
A Joint Account will report on the total funds within that account, held (with equal responsibility) by the two account holders. So spending by either party will also show as an adjustment to this total. This is how it acts now.
But Monzo does know WHO in the JA did a particular spend and so adding an extra layer of granularity reporting i.e. allowing the additional breakdown of what YOU (‘Gamma’) has spent today along with the overall JA spending (‘Gamma’ + ‘Delta’) should be possible. It just isn’t implemented.
I’m sure this has been requested a few times in the past. I’ll have a search…
Quick search over. Here are a couple of similar requests;
For me, the ‘You’ve spent’ type notifications are all about how the balance in the account has reduced today. As a result they need to include all spending by both parties.
Filtering is really a different topic.
(Not saying anyone is wrong to want something else, just that I see things differently to what’s been discussed so far.)
It was just that my gut reaction on reading it was along the lines of “well of course it was on this account” so I reacted to the “unnecessary” words almost as if patronised in some way.
Ahh, absolutely. I hadn’t thought of it that way myself; but now you’ve said it, I can see it.
If Monzo go down the ‘re-word the message’ route they’ll probably figure out one that hits the sweet spot between the suggestions so far. Or maybe they’ll A/B test a couple of alternatives and see how everyone reacts
What about things like Netflix you both use but is spent on one card, who should get the “blame” for spending that? Much better to give the joint spend as it’s a joint account. If you want to do everything separately use separate accounts
Maybe we could use the old English ye.
Early Modern English distinguished between the plural ye and the singular thou.
Neither party. The feed already does this - transactions actually by a person show that person’s avatar as flair on the merchant icon, whereas transfers and direct debits show no avatar. The feed also sidesteps the bug here, by simply labelling the relevant field ‘Spent’.
I guess if it’s deemed acceptable for the notifications to be technically incorrect then that’s the way it’ll stay.
