# App Evolution: Feedback Megathread šŸ“£ **URL:** \ **Category:** Making Monzo\ **Tags:** app-evolution\ **Created:** [13 December 2022 10:12 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702 "2022-12-13T10:12:00Z")\ **Posts on this page:** 20\ **Page:** 147
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [28 July 2026 11:27 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3372 "2026-07-28T11:27:54Z")
Nope. I donā€™t even have the free card yet šŸ˜Ÿ ---
**Author:** ![hannng](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/hannng/32/117396_2.png) [@hannng](https://community.monzo.com/u/hannng)\ **Post date:** [28 July 2026 12:50 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3373 "2026-07-28T12:50:35Z")
> [@Carlo1460](#): > > Finally dismissed them all from the Home Screen as they kept coming back and Iā€™m back to the original screen without them šŸ˜®ā€šŸ’Ø I didnā€™t expect Whack-a-Mole to be built into a banking app. Peak gamifying finance. šŸ™„ ---
**Author:** ![JayTay](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jaytay/32/123134_2.png) [@JayTay](https://community.monzo.com/u/JayTay)\ **Post date:** [30 July 2026 09:23 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3374 "2026-07-30T09:23:02Z")
If you tap ā€œget paid earlyā€ on the ā€œDo more with Monzoā€ widget it says T&Cs apply but doesnā€™t link to them and it also doesnā€™t mention the Bacs requirement at any point either. ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [30 July 2026 12:00 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3375 "2026-07-30T12:00:32Z")
I wonder if Monzo Aura will be their AI within the app itself to move money to and from pots, offer guidance or tips to maximise budgets etc, forming part of Monzo One (whatever that will be). ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/125134_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [30 July 2026 12:45 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3376 "2026-07-30T12:45:04Z")
Oh thatā€™s a good shout actually. ---
**Author:** ![ahj87](https://avatars.discourse-cdn.com/v4/letter/a/3d9bf3/32.png) [@ahj87](https://community.monzo.com/u/ahj87)\ **Post date:** [30 July 2026 13:23 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3377 "2026-07-30T13:23:42Z")
I think youā€™ve cracked it. ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [31 July 2026 10:49 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3378 "2026-07-31T10:49:57Z")
![IMG_4760](https://global.discourse-cdn.com/monzo/original/3X/1/b/1bc23914ca16a9ccab63554a3348e8a925b2898f.jpeg) Looks better than the slim tiles. ---
**Author:** ![mdeluk](https://avatars.discourse-cdn.com/v4/letter/m/a6a055/32.png) [@mdeluk](https://community.monzo.com/u/mdeluk)\ **Post date:** [31 July 2026 10:58 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3379 "2026-07-31T10:58:45Z")
Sounds horrible. I donā€™t want AI in my banking app. Unless itā€™s using a local model, then maybe. And a way to turn it off. ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [31 July 2026 10:59 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3380 "2026-07-31T10:59:40Z")
Most are looking that way. You can disable it in revolut which is great. ---
**Author:** ![l33t](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/l33t/32/111145_2.png) [@l33t](https://community.monzo.com/u/l33t)\ **Post date:** [31 July 2026 12:11 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3381 "2026-07-31T12:11:04Z")
Does that deny revā€™s ai processing your data regardless or just simply turn off the chat box/interface? I am not anti AI but the risks of its processing your data regardless is leakage when they bork an update to its engine, the risk would only be mitigated if disabling the AI prevented that chatbox AI/interface from processing your data. ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [31 July 2026 12:40 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3382 "2026-07-31T12:40:22Z")
Who knows, canā€™t remember if it ever said it was local only. ---
**Author:** ![l33t](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/l33t/32/111145_2.png) [@l33t](https://community.monzo.com/u/l33t)\ **Post date:** [31 July 2026 13:51 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3383 "2026-07-31T13:51:36Z")
Itā€™s 99% not going to be local. Far far too much of a spread of mobile devices to ensure they can handle the storage and processing. I would also be pretty sure turning off the interface does nothing to prevent the data being processed all the time by the AI in case you turn the interface on again but you never know. I would assume itā€™s still in AI unless they were very clear it wasnā€™t as a selling point of data privacy. ---
**Author:** ![Ordog](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/ordog/32/22446_2.png) [@Ordog](https://community.monzo.com/u/Ordog)\ **Post date:** [31 July 2026 13:54 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3384 "2026-07-31T13:54:21Z")
Iā€™d welcome an AI assistant. Done right, itā€™s an incredibly powerful tool that could unlock a whole plethora of data and give me a much deeper understanding of my finances. I dont have to wait for Monzo to release stuff then šŸ™ƒ ---
**Author:** ![JayTay](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jaytay/32/123134_2.png) [@JayTay](https://community.monzo.com/u/JayTay)\ **Post date:** [31 July 2026 14:31 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3385 "2026-07-31T14:31:35Z")
Revolutā€™s AI policy is at [https://www.revolut.com/legal/rita-disclaimer/](https://www.revolut.com/legal/rita-disclaimer/) but itā€™s not quite as in-depth as it could be e.g. Starlingā€™s one at [How Starling uses AI | Starling](https://www.starlingbank.com/legal/privacy-notice/ai-privacy/) mentions which partners they use etc. ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [31 July 2026 14:45 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3386 "2026-07-31T14:45:17Z")
I donā€™t think it will be/should be, anything too fancy. Everything these days is called AI when itā€™s really just some formula based rules. ā€œYou normally spend Ā£x between now and payday, youā€™ve currently got Ā£y, you could save that moneyā€ etc etc. it isnā€™t going to be moving money around for you. ---
**Author:** ![projectfortytwo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/projectfortytwo/32/82645_2.png) [@projectfortytwo](https://community.monzo.com/u/projectfortytwo)\ **Post date:** [1 August 2026 15:01 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3387 "2026-08-01T15:01:33Z")
Iā€™m married, this is a joint account, Iā€™m never going to want to split a bill with anyone else anyway - any way to get rid of these 2 huge options for bill splitting which have recently appeared? Itā€™s pushed the Notes field (which I do use) right down the bottom of the page. ![1000028649](https://global.discourse-cdn.com/monzo/original/3X/0/8/085c12f7d15a6e789e67be1fa8913c491daf2ce4.jpeg) ---
**Author:** ![nickvid82](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/nickvid82/32/54271_2.png) [@nickvid82](https://community.monzo.com/u/nickvid82)\ **Post date:** [1 August 2026 15:26 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3388 "2026-08-01T15:26:13Z")
No way you can remove them. Personally i think itā€™s an obvious place to put them however they could be smaller ---
**Author:** ![projectfortytwo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/projectfortytwo/32/82645_2.png) [@projectfortytwo](https://community.monzo.com/u/projectfortytwo)\ **Post date:** [1 August 2026 15:50 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3389 "2026-08-01T15:50:33Z")
> [@nickvid82](#): > > No way you can remove them Thatā€™s a pain. With the number of customers they have now, there has to a fair proportion who arenā€™t splitting every last transaction with their 20-something mates. (And yes, Iā€™m a grumpy old man šŸ˜‚). ---
**Author:** ![AaronB1](https://avatars.discourse-cdn.com/v4/letter/a/4af34b/32.png) [@AaronB1](https://community.monzo.com/u/AaronB1)\ **Post date:** [1 August 2026 16:03 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3390 "2026-08-01T16:03:45Z")
Maybe they should give you the option to choose which categories it applies to, or to turn it off completely. Iā€™ve only ever used it for restaurant bills ---
**Author:** ![JayTay](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jaytay/32/123134_2.png) [@JayTay](https://community.monzo.com/u/JayTay)\ **Post date:** [5 August 2026 09:37 UTC](https://community.monzo.com/t/app-evolution-feedback-megathread/141702/3391 "2026-08-05T09:37:10Z")
Spotted on Reddit: [Reddit - Please wait for verification](https://reddit.com/r/monzo/comments/1vfmzbo/love_monzo_but/) ā€œThe app is nearly perfect but the amount of clutter and suggestions it has is putting me off. Being bombarded with suggestions and tabs and multiple offers.ā€ [Previous page](https://community.monzo.com/t/app-evolution-feedback-megathread/141702.md?page=146) [Next page](https://community.monzo.com/t/app-evolution-feedback-megathread/141702.md?page=148)