Given that itās a trial initiated on the discussion boards Iām not sure why people are surprised that chat didnāt know anything, I doubt theyād train their whole staff for this
Dam, I must of missed this trial.
I thought Iād seen something on this but I canāt find the post now. Are folk getting cashback if they use Curve?
(Iām wondering if cashback stacks).
Yup. 1% + monzo%. Tried it with Sainsburyās.
You forgot to multiply by 100 after dividing. Itās 0.002% (rounded to 1 significant figure).
Is Morrisons Daily included under the Morrisons umbrella? Didnāt get cashback when I purchased stuff from my local Morrisons Daily, but that is possibly because it comes up as McCollās in Monzo (which it used to be quite a while ago).
Seems like incorrect Merchant data! Iād imagine it should be included, probs one to add to the list
I imagine you should be able to get that one fixed if you report in in-app, unsure if cash back will work retroactively so hopefully @iankent or another member of the cashback team will spot your post here and have a look at it for you.
I was curious on this as we have a local one here, guess not worth my time for now
Hey just catching up on the community posts, thanks again for all your feedback
Petrol stations
Petrol stations are excluded from the offers - so when you see Sainsburyās, it means the store only and not the petrol station, but we know we can do more to make this clearer in-app.
Because of the way merchants take payments, sometimes weāll incorrectly pay cashback on these payments. If weāve incorrectly paid cashback, we wonāt take it back but we will be fixing it at some point soon
Thereās other examples of this which weāre already thinking about (e.g. franchises, or where one brand is made up of multiple businesses), and going forward weāll make any restrictions like this clearer in the offer terms and conditions.
Customer support
Sorry for any issues youāre having getting things like merchant issues sorted through customer support - as youāve already said, this is all super new and to an incredibly small audience, so while weāve tried to make sure all of our customer support are aware of it, thereās definitely some gaps here we need to work on.
If youāve opted in to receive cashback, the best way to get in touch with customer support about cashback is using the chat button on the āCashback Explainedā help article - your chat will come through to cashback customer support who are all trained to help with cashback issues like these.
Iād encourage you to give this a try so we can identify and fix any issues with our processes, but if youāre still stuck, feel free to DM me so we can investigate
Hey Community Crew
Iām one of the designers working on Cashback. Thanks for all your feedback on both the information weāre sharing about how we use your data, along with where itās surfaced in the experience. Off the back of your feedback weāve made a couple of changes to the experience.
- Weāve updated the content in our How we use your info screen so the data weāre sharing is clearer.
(Iām sharing the screen itself as well as where it lives in the onboarding flow here) - Weāve also resurfaced this information on the Cashback home screen so you can read it again if you missed it in the onboarding screens.
Your feedback has been super helpful
āWe need to share around a yearās worth of spending history with Monzoā
Well, as my spending has been via Chase since Sep 2021, I wonāt expect many personalised offers then as Monzo wonāt have a clue where Iāve been shopping!
Iāve just reached the Ā£20 limit. Great service and trial.
Iām assuming this limit wonāt be part of the whole rollout?
If it is, it would be nice if the message warning youāve hit your limit told you how much cashback you ālostā by going over the limit. And perhaps providing the reset date?
Do the offers track when used with Curve?
Yes
This is really great from a transparency point of view, thank-you for engaging with the community on this!
Just curious, is there a subtle difference between āde-indentifyā versus anonymise? You use the former in the screens and often the latter is used to convey privacy messages to consumers.
De-identify is a more accurate descriptor. Iām glad theyāre sticking with that as opposed to lying to you. Although they sound synonymous, theyāre not. The latter is often disingenuous, false, and lures you into a false sense of privacy.
The implication of anonymous is often that it can never identified or associated with your identity. Thatās kind of the point of anonymity and the expectation I have when someone promises me anonymity. Thatās almost (because approaches like differential privacy can sometimes guarantee privacy) never the case with these things.
De-identify doesnāt have the same implication so itās a much more honest phrasing, and I respect them for that. They donāt make your data anonymous, they just remove personally identifiable data from what they hand over to their partners, who will then have ways of re-identifying (or de-anonymise) it fairly trivially. Thus no guarantee of privacy, and certainly not anonymity.
Itās a very Monzo way of phrasing something, and I use that with a very positive connotation. Unlike say, fraudedā¦
Iām totally with you on the semantic distinction. But unless Iām mistaken the bit that Iāve quoted is incorrect, no? Monzo has said that they only give data to aggregators not to merchants. Unless Iāve missed something?
(And thatās not to say that giving away data is great generally, but informed decisions need to be made on accurate information I think).
I think one of the clarity posts way above alluded to the possibility of sharing it both with aggregators and directly with merchants (whoever is running the promotion essentially).
Edit: the post I was thinking of
Merchants was just the one that popped into my head first but Iāll change it to partners, which is probably the most accurate.