# Connected Accounts: What next? (Summer 2022 edition) **URL:** \ **Category:** Monzo Plus\ **Created:** [2 July 2022 10:12 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005 "2022-07-02T10:12:00Z")\ **Posts on this page:** 20\ **Page:** 8
**Author:** ![xnox](https://avatars.discourse-cdn.com/v4/letter/x/59ef9b/32.png) [@xnox](https://community.monzo.com/u/xnox)\ **Post date:** [13 April 2023 00:24 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/147 "2023-04-13T00:24:38Z")
Urgh, yes their API docs are clear as mud. Are you Virgin Money (05), or Virgin Money (08), or Virgin Money (82)? Which is confusing flow for end users if they need to pick between Virgin Money and Virgin Money connections, when they only ever have one of the two. ---
**Author:** ![SebH](https://avatars.discourse-cdn.com/v4/letter/s/6f9a4e/32.png) [@SebH](https://community.monzo.com/u/SebH)\ **Post date:** [13 April 2023 00:52 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/148 "2023-04-13T00:52:49Z")
Luckily 05 (former Yorkshire) and 82 (former Clydesdale) use the same login page and API, so there is only that API and the other savings/credit card one to implement - not three. The user might have to connect three times if they have both Clydesdale and Yorkshire accounts, plus a credit card, though. Four times if they have all of those and a legacy savings account! PS: I mentioned all their apps earlier - the other problem is that the old platform savings accounts don’t have an app at all! That shows how important Open Banking is in this case, as a way to check your balance easily. ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [13 April 2023 08:05 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/149 "2023-04-13T08:05:32Z")
Fantastic write–up 👍 Thanks for taking the time. ---
**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:** [13 April 2023 12:22 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/150 "2023-04-13T12:22:16Z")
Yes - really interesting, thanks @SebH ---
**Author:** ![caribo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/caribo/32/14085_2.png) [@caribo](https://community.monzo.com/u/caribo)\ **Post date:** [23 June 2023 07:52 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/151 "2023-06-23T07:52:52Z")
Aaargh!! Just switched my HSBC account and lost all the transactions as I cannot renew the access… so frustrating 😡 … really wish Monzo would sort this out … ---
**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:** [23 June 2023 08:00 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/152 "2023-06-23T08:00:47Z")
How is that a Monzo issue? You closed an account but you want to keep the data? ---
**Author:** ![Kumnaa](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kumnaa/32/3950_2.png) [@Kumnaa](https://community.monzo.com/u/Kumnaa)\ **Post date:** [23 June 2023 08:04 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/153 "2023-06-23T08:04:39Z")
If it’s already in imported into Monzo then I would 😯 ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [23 June 2023 08:11 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/154 "2023-06-23T08:11:23Z")
I can’t think of an aggregator that doesn’t let you keep the history. Emma, Lumio all do that. It’s logical (and desirable) for that to be the case in Monzo, too. ---
**Author:** ![caribo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/caribo/32/14085_2.png) [@caribo](https://community.monzo.com/u/caribo)\ **Post date:** [23 June 2023 08:15 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/155 "2023-06-23T08:15:14Z")
Monzo already have 2 years worth of transaction data… So it’s logical to expect that they would make it available… Losing access to transaction data reduces the usefulness of trends considerably … ---
**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:** [23 June 2023 08:20 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/156 "2023-06-23T08:20:56Z")
Sounds like Monzo get the data live and E\*\*a and Lumio get it and keep it. Interesting contrasts. ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [23 June 2023 08:23 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/157 "2023-06-23T08:23:10Z")
> [@Revels](#): > > data live and E\*\*a and Lumio get it and keep it I can’t speak for Emma but in the case of Lumio (Great app by the way if you don’t have Monzo) you can mark an account as closed. So it keeps the data that it had, and any other accounts work the same as Monzo whereby it’s live and requires access every 90 days. It’s not without its flaws though. It will keep telling you that you need to renew access (which obviously you can’t) and if you remove it, the data is gone too. ---
**Author:** ![Kumnaa](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kumnaa/32/3950_2.png) [@Kumnaa](https://community.monzo.com/u/Kumnaa)\ **Post date:** [23 June 2023 08:41 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/158 "2023-06-23T08:41:48Z")
I’d be very surprised if Monzo weren’t also keeping it locally otherwise it would be slow and you wouldn’t be able to set categories or save notes. (By locally I mean on Monzo’s infrastructure not on our devices) ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [23 June 2023 08:56 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/159 "2023-06-23T08:56:56Z")
They all get the data “live” from the open banking APIs and store it in their own platforms. The only difference is that Monzo deletes it all (or hides it from view) when that account is disconnected but the others don’t. ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [23 June 2023 09:37 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/160 "2023-06-23T09:37:34Z")
Poor, considering one of Mondo’s very first founding ethe (plural of ethos) was that your banking data was yours and should be exportable forever from bank to bank. ---
**Author:** ![caribo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/caribo/32/14085_2.png) [@caribo](https://community.monzo.com/u/caribo)\ **Post date:** [23 June 2023 10:11 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/161 "2023-06-23T10:11:38Z")
Im sure I read that the need for six monthly access renewal was going to be dropped… ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [23 June 2023 10:29 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/162 "2023-06-23T10:29:01Z")
This is the downside of trying to be a “Jack of all Trades” - While I think Trends is great, there’s a reason separate aggregator apps still exists ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [23 June 2023 10:39 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/163 "2023-06-23T10:39:18Z")
To be fair, I’m pretty sure that it’s something that the team would _want_ to do. Unless they’ve been legaled by their legals. ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [23 June 2023 14:21 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/164 "2023-06-23T14:21:56Z")
> [@Peter\_G](#): > > legaled by their legals _…by their eagles_, surely? ---
**Author:** ![talon](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/talon/32/121795_2.png) [@talon](https://community.monzo.com/u/talon)\ **Post date:** [23 June 2023 18:43 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/165 "2023-06-23T18:43:53Z")
Are there still issues connecting NewDay cards? It’s been like this for over 24 hours now. ![IMG_3199](https://global.discourse-cdn.com/monzo/original/3X/0/3/035d409a5f5b3989615ec47708e7021d7c5d3b5a.jpeg) ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [2 July 2023 11:27 UTC](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005/166 "2023-07-02T11:27:15Z")
> [@Peter\_G](#): > > What to make of all of this? Here’s my assessment! So how did I do? > [@Peter\_G](#): > > Frankly, I’d be surprised if there isn’t a Virgin Money connection in development… 👀 - likelihood to summer 2023: **very high** ❌ Summer’s not over. But this looks like a fail. Especially as all of the New Day connections are still in Labs and Nationwide and some existing connections are all flaky. > [@Peter\_G](#): > > I’m really not sure if they’d go with a Starling connection. If it were a standard API then I think it’d be on the list. But it’s not, so they might be prioritising other stuff… likelihood to summer 2023: **evens** ✅ This happened! > [@Peter\_G](#): > > Notes and tags look popular. But I think they’re probably dependent on having a functioning search… likelihood: **evens** ✅ (Kinda) We have notes. No tags. No search. > [@Peter\_G](#): > > Spilt the bill. I dunno you know. It seems sensible, but will they? Likelihood: **low** ❌ I was right to go with low. It’s not a thing… … Yet. I suspect it’s on its way. (Although look at the track record of my predictions - it ain’t good 😂) > [@Peter\_G](#): > > Budgeting on connected accounts. Monzo keeps threatening to rethink Summary and budgeting. No-brainer to do this at the same time. Likelihood: **medium-high** ✅ We got it! ~~Targets~~ Budgeting is live across connected accounts. And jolly good is it, too! > [@Peter\_G](#): > > Sadly, I think that connections to other account types (mortgages, savings, investments etc) are probably very unlikely over the next year. Big personal fail on mortgages! They are a thing! Monzo - carry on proving me wrong (in a good way). 🙏 (_looks at watch_ still no Monzo investment account though 👀) 2023 poll coming 🔜 [Previous page](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005.md?page=7) [Next page](https://community.monzo.com/t/connected-accounts-what-next-summer-2022-edition/135005.md?page=9)