I agree it would be good to have different views on flex. The current repayment screen and then a separate transaction screen which show all the relevant transactions which would make it easier to find things already paid off.
Iāve got a banner across the top of my home screen which says Iāve got the cashback limit, Ā£20 earned in the last 28 days. When I tap it, it goes to the current account. I was expecting it to go to the cashback pot to see the list of cashback.
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Shame missed signing up
An improvement Iād like to see is the cashback āpotā showing total cashback accumulated overtime and total withdrawn.
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A graph in Trends might be a nice touch!
Or, even better, maybe a swipe on the pot image in the pot screen to get a cool graph with some stats over time.
Maybe also earnings in last month.
My Santander account gives me a figure for both total cashback and cashback in last month. Even though they are minor things, I like having this info. I suspect that they also have a minor sticky effect.
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I must sign up for this I canāt believe I lost the offer to do so, please open up round 2!!!
I made a purchase at another local Spar here.
This one is even more complicated than the previous oneā¦ It was an independent shop called āBarbicanā, and it was either bought or the owners signed up for it to turn into a Spar.
So there is a big shiny Spar sign on it, but the card machine text still reads āBarbicanā with no mention of Spar.
Would this have any chance of being included?
I can totally understand if Monzo said no, too difficult technically to include all these outliers, but at the same time a bit unfair (not in a āgimme free money!ā way, but in a āeveryone else who shops at a Spar gets cashback, why not me tooā way) as it really is a Spar and it is the only one I can walk to.
I have had similar issues with American Express Rewards and ESSO service stations.
Not every ESSO triggers a cashback reward.
Looks like SPAR are in the same boat.
I have also read across forums that CO-OP shops donāt all qualify either.
Youād think itād be easy 
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I suppose this is all part of the trial.
From the userās perspective, you should just be able to trust whatever the sign on the front of the shop says and if itās on the list, get cashback.
But humans gonna complicate, right?
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Iām pretty sure this has already been mentioned, so just to add another vote to it.
I expected a notification for the card transaction followed by a notification that Iāve earned X cashback. The only way to see it currently is to tap into the transaction.
Other than that, so far so good. Itās ace! 
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Indeed. A day or so ago there was someone who didnāt get cashback at a Costa, and Ian replied to them asking for more info and saying that part of the point of this trial is to help identify where possible issues with merchant enrichment may cause cashback to not trigger.
So far all my cashback transactions have worked properly, but Iāve not yet been anywhere that could have franchise oddness happening.
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Co-op is such a mess - they have at least two, if not more, Co-op corporate entities that use the same logo so youād think they are all the same company, but you canāt even use the membership card issued by one of them in shops of the other.
There are actually (unless yet more of them have merged in the last few years) something like seven or eight, all using the co-op group branding. IIRC there are a few stores that are directly run by the group but the vast majority will be the regional ones, which also run the other co-op branded businesses like travel and funerals. Iād expect each one to have contracted its own systems and then feed the data communally to honour the membership.
Source: I used to work for the company that supplied and supported the membersbip software that most of them were using
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Weāve got both local Southern Co-Operative and the wider spread Co-Operative Food in Portsmouth
Bit of a mess historically, though the differences are now down to the colour of the store front (green vs blue) by now
Loving it so far!
Personally I would really like to have the notifications added and then have cashback be itās own category. I think Iād prefer to see cashback as a separate thing, as long as its implicitly linked to the original transaction which is already the case.
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Quick couple of polls:
What should the category of the cashback transaction be?
- New cashback category
- Income
- The same category as the transaction
- Something else
0 voters
Should the cashback pot be in Trends?
- Hell yeah
- I see no need for this
- Unsure
0 voters
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For the folks who say no need for the cashback pot in Trends, does the category matter to you?
If you canāt see it in Trends then surely thereās no point in the category? For those (like @N26throwaway) who presumably want it to offset the original transaction surely it wonāt be able to do that if itās not a thing in Trends?
Just trying to understand how folk envisage this working. 
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I get cashback against a spend.
The spend is what Iād spend anyway, but now I get a percentage of that spend as an income for spending.
So the received funds should be āIncomeā. And āIncomeā should show in Trends - because the extra money is available, which wasnāt before the cashback, so itās Income in Trends.
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I agree with the logic.
I think where Iām coming from with the Cashback category is that Iāve actually got a whole bunch of categories for income.
A bit like we have different categories for spending, I want official Monzo categories for income that all tot up nicely. Iām hacking it, but it needs to become official!
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