Morning check.
No new trends still 
2 Likes
Same! I understand why these phased releases happen but it sucks waiting.
2 Likes
Without wanting to derail the thread, I have a question 
.
Having just reviewed my various credit cards, and having already signed up for an Amex Avios card, I’ve also decided to change my Barclaycard Platinum Visa to a Barclaycard Avios Mastercard (for when I can’t use Amex).
My Barclaycard Platinum is a connected account and all my historical transactions show nicely in Trends.
When my card is transferred / changed, what will happen to my historical transactions in trends?
My Barclaycard account will stay open but my card will change - will all of this be lost? I have no idea whether the connected account transactions are recognised on an ‘account’ basis or a ‘card’ basis 
Can anyone shed any light? I’m faced with the horrible prospect of my lovingly-curated trends data becoming meaningless very shortly!
1 Like
I believe they are on account basis so should still show
3 Likes
Snap
double snap
2 Likes
I am a chosen one!
The Monzo gods smile on me this day.
Have you been similarly blessed?
- The gods smile on me (I have the balance line graph)
- I have been forsaken (I do not have the new stuff)
0 voters
Initial thoughts: positive.
More detailed reporting: 
3 Likes
Sad times today.
3 Likes
Had to happen at some point, eh?! 
7 Likes
For those that have it, what you running
- iOS
- Android
0 voters
2 Likes
They’re account based. Change your card on an account and the transactions remain.
1 Like
Oh this looks very useful, lord knows I need to keep better track. No sign of it yet, maybe next week!
2 Likes
still nothing talk about a slooooooooooooooooooooooooooooooooooooooow roll out
2 Likes
So I’ve had this for a day - time for some thoughts!
Firstly, because most folk don’t have it yet, here’s my take on how it works:
I’ve lightly edited this to take away some of the figures in the app. Some points to note:
- Trends now has two tabs at the top: Balance and Spending. Balance is the new line graph, Spending is the existing bar charts. There is room for others
- Balance is selected by default, but Trends remembers the last one you selected. (Excellent attention to detail).
- By default, the filter at the top includes spending accounts: so your current account, connected current accounts and credit cards. It doesn’t (by default) include pots (except for bills pots and those with a connected virtual card) - but you can select those of course.
- The line graph includes any future outgoing spending that Monzo knows about - but not incoming. I’ve the period set to the calendar month, and I’m due to be paid before the end of it, but the app thinks I’ll be overdrawn (to the tune of £1100 - ouch!)
- Starting Balance, Total Money In, Total Money Out and Total Upcoming aren’t tappable to drill down - but under the last three you can tap “More” which will give a category breakdown. If you tap into those, it’ll take you to the relevant classic Trends spending bar chart screen.
And that’s more or less it!
If anyone has any questions ask away. I’ll post again later with some feedback on how well it’s working for me, and then perhaps some ideas for where Trends could go in the future…
16 Likes
It just takes into account actual known payments (I’m pretty sure but Monzonauts should be able to confirm).
This is a screenshot of me scrubbing over the future line in trends. £30 out on the 16th for a recurring bill.
I prefer this (a lot) to Summary’s left to spend, which tries to guestimate your daily spending, gets it horribly wrong and isn’t transparent about stuff. This is excellent in comparison.
6 Likes
Excellent changes
So glad to see pulse back
7 Likes
Okay, feedback time!
Firstly, the tl;dr:
It’s excellent, the team has really taken the time to make it work properly and it really integrates well with existing Trends. But it’s not really that useful to me just yet. But it lays the foundation to be absolutely transformational - with a few tweaks (and extra features).
Right, the detail:
- I just love the evolved Monzo design language. As you scrub along the pulse graph you get some lovely haptic feedback. A+ very good.
- I don’t keep my savings in Monzo (sorry folk 1.5pc just ain’t cutting it) so I can’t really use NuPulse
to see my savings accrue. And my savings accounts don’t have open banking connections. This just makes me want/desire/need manual accounts even more - NuPulse would really pop and I’d be able to see my savings grow 
- Similarly, I would love to be able to scrub across NuPulse to see my net worth over time. Maybe even over a decade view.
- I keep wanting to tap Starting Balance, Total Money In etc to drill down. Instead I have to tap ‘More’. It’s so so minor, but my fingers wanna do what my fingers wanna do.
- When you do tap on ‘More’ it’s a list of all your categories with spend in, in descending order. For Total Money Out, in particular, it feels like there’s a level of the hierarchy missing. I want to see at a glance what I’ve spent on bills and what is discretionary spending. Perhaps this is another sign we need to be able to create category groups on the classic Trends screen that are more sophisticated than Spending and Excluded. Or perhaps ‘direct debits and standing orders’ versus ‘card payments’ would be a helpful heuristic? I dunno, but it feels like we go from too little info to too much in one tap.
- Prediction of future transactions works super well for money going out. But not for money coming in! This feels like a major, critical oversight that really messes up the graphs. And it’s made worse because of…
- The lack of accurate pay periods. I get paid on the last working day, but I nab my salary using Get Paid Early, so it’s
last working day - 1 day- a period you can’t set in Monzo
. That means that, whatever period I choose, the graph is always a bit off. Now, I’d be absolutely fine with a monthly view if I could add recurring payments in, or create manual transactions that I know will be coming up. But I can’t so it kinda takes a bit of gloss off it.
So what do I think it needs to move it from very good to absolutely excellent, cannot live without?
- Accurate pay periods that take into account Get Paid Early
- Recurring future payments
- Give
meus manual accounts, pretty please… - …and a net worth figure!
And, an extra bonus:
- Manual future transactions, so I can predict and forecast spend.
- Let us see future months in Pulse.
Having looked at all of that, it feels very much like this isn’t criticism of the actual feature (which, let me be clear is amazing) but that other parts of the app need tweaking to really make it pop and achieve its potential. Which is huge!
I’m hoping that 1, 2, 4 and 5 might be things to roll into the next, Summarycidal, release.
But for now, excellent job - and an amazing platform for future stuff! 
19 Likes
My best guess is that that in that example, today’s date is something like 20th July (where the light line graph stops) and the user has scrubbed back in time to see what was spent on the 11th. [Edit, I think that’s actually wrong - this is a graph for a previous period, whereas the other one is for the current period]
Now (unless I’ve got it horribly wrong) NuPulse can’t predict incoming money (boo!) so that bump can only be money paid in that’s happened already.
Indeed, if you look at the graph on the right (with the dotted line and hard angles) that’s a prediction - and you’ll see no upward trend there.
2 Likes
This is definitely heading in the right direction.
Manual accounts and manual future transactions would seal the forecasting part for me. Add a mortgage account. Add property. Add external savings. And see the overall picture accurately.
#YNABkiller
12 Likes
Be still my beating heart. 
6 Likes