Only on debit card transactions conducted after signing up to the promotion, and having an issue at the moment with some missing cashback from November, which is making me think twice about messing with Barclays for spend in December. I should find out definitively by 5/6 December, I think. Customer Service chat is useless.
I have a Halifax Rewards Account - far more offers (41 currently) with bigger discounts on there. That said I would only use one - Sainsburyās 8%. Not only that you have to āactivateā them and that is just plain silly, you should have them available or not bother.
Iāll be buying my Xmas booze at Adsa (5%) on my Mozo card tomorrow, always assuming such a purchase qualifies.
Can be useful to choose when to activate especially for single use. For the retailer they wonāt want people to be getting cash back for normal spending rather itās to encourage additional spending there.
True, but why give an option for multi-use cashback offers?
Can there ever be a scenario where you donāt want to activate an offer that works for multiple uses?
1 Like
As a customer you probably want to always enable them, however have to also think from the retailer perspective in that they donāt want to be giving away cash if they can help it. They want you to be spending more with them.
I just got some cashback from eBay on a refund!
I felt compelled to join the monzo community to see if others had noticed that, in exchange for using these cashback offers, monzo states thatā¦ (from the terms and conditions)ā¦
We work with partners and merchants to offer you cashback.
We āde-identifyā your information, so our partners wonāt learn your name and full address or any personally identifiable data. To tailor offers to you, weāll share with our partners:
around a yearās worth of your Monzo spending history (physical or virtual cards) and your ongoing spending activity
your age bracket and first half of your postcode
a) this is far from a real process of de-identifying your customers.
b) Is it spending history related to the partner? Or all spending history? Be clear. If itās the latter, this is an insanely large and private quantity of customer data you are providing to partners in exchange for whatever deal youāve brokered.
c) a lot of your customers will make use of this offer without realising they are giving away their private spending history (and supposedly an unknown qualittiy of their future spending history for an unknown amount of timeā¦ Whether āde-identifiedā or not.)
d) when does this partner data sharing occur? When I add a cashback offer and use it? Has it happened already without our consent? I understand you want to make your terms and conditions clear and simple, but this it too simple, there is no real information here to make a determination.
If Iāve misinterpreted these terms and conditions then Iām happy to be corrected. As my understanding stands, this seems like a cynical exchange for monzo to make a shed load of cash by selling valuable, private customer data behind a woefully inadequate anonymising method and poor, vague terms and conditions copy.
Suffice it to say, I wonāt be using these offers.
It also worries me now that Iāve agreed to some other past monzo offer without realising that giving away my private data was buried in the T&Cs somewhere.
I would appreciate knowing what is currently actively happening with my spending history and I would appreciate a setting to toggle any sharing with partners other than monzo itself.
It canāt be only me who has noticed thisā¦
2 Likes
You arenāt the only one - it has been discussed at reasonable length earlier in the thread. I donāt have the dates to hand though, you would have to do lots of scrolling sorry.
4 Likes
I need to get out more, this took some scrolling to find
Also paging @iankent in case this has changes since it was written
2 Likes
This was discussed at length previously here: Be part of our cashback pilot š
Basically, there was a fairly sizeable backlash over the privacy aspect of cashback, and Monzo took steps to make it more clear as to what data is shared and how.
I believe now the app has one or two informative screens before you agree to enable cashback that have pretty clear text explaining how it all works - did you not see those when you enabled cashback?
Of course, at the end of the day, enabling it means your transaction data will be shared and itās everyoneās personal choice whether to proceed or not.
I myself was against it at first, but after Monzoās remedial action and my thinking that I donāt really use Monzo for spending (so there is very little transaction history to share), I opted in favour of it. But everyone will be different.
With regards to de-identifying customers, anyone who has ever delved into it knows de-identification techniques are mostly useless.
The spending history shared is all of it (not just the merchant for whom you are enabling cashback), this data goes to the aggregator to be then used to give you more relevant cashback offers; itās early days, and we have yet to see what that means (in the latest round of cashback offers, I donāt think anyone got anything theyād consider āpersonalisedā).
The data sharing occurs when you enable cashback, at least thatās my understanding of the process based on the explanations and documentation Iāve seen.
3 Likes
So I did my Xmas booze present shop at Asda this morning (10:17). The cashback appeared almost immediately in the app but not available to withdraw as yet (11:36), not that this a complaint. I assume it will be available tomorrow, so I am quite impressed.
From what I can see that was a one-off event. So I am pleased I didnāt buy something from the service counter before the bigger āeventā.
You get the notification immediately but you cannot withdraw yet, as detailed in the OP:
Anyone else had trouble with cashback from Krispy CrĆØme? Mine tracked immediately on the 24th of November, but hasnāt cleared since.
Also how long do they take to investigate missing cashback? I raised missing Footlocker cashback over 3 weeks ago now - no response thus far.
1 Like
Yep, me. 17 days and still nothing.
Oh nice. Well at least we know it works 
Still waiting on my Footlocker cashback ti be looked at.
Withdrew my Asda cashback this morning. Canāt argue with that.
Last month, I used the Trainline cashback offer and was charged the price of my ticket, upon which I got 4% cashback.
I have just checked my train times and prices for a journey tomorrow, and Trainline want a 59p booking fee, which swallows up the 16p cashback and some!
Needless to say, I wonāt be taking advantage of that offer 
They charge a BF on advance bookings. Pay on the day and thereās no BF.
2 Likes
Oh dear Trainline! That is just bad, thanks for the update.
That said, my Asda Cashback was just exactly what it said on the tin. The bad news is it was a one off event. I think Iāll just stick with the straightforward 1% at Chase, donāt need to activate, it just happens. Not only that I get the benefits from using my Ember Inns app at my local. Now there is some serious savings, if that is your local.
That is, of course, something crops up that is FAR more lucrative and just happens.