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1791

Does anyone else have an issue with Insights? It’s never worked for me.

I did ask chat just now, and they said call the digital team tomorrow and they will have a look.

I’d guess it’s conflicting my old closed account with my more recently opened account.

Everytime I tap insights it goes through a new setup.

Reaches the month by month but no transactions ever show under Category, and when I tap merchant it says something about not being able to view your details.

Will update tomorrow if they fix it.

1792

Never had issues with it, other than feeling it was a bit useless tbh. It’s a weak offering compared to the NatWest insight or any of the NeoBanks.

2 Likes
1793

I quite like the RBS insights, and wouldn’t expect them to compare, but it would be nice to have visibility on fd this next few months trying to enter the comp to win £.

3 Likes
1794

Insights is useless. It continually puts items in the wrong category and doesn’t learn. Have given up using it.

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1795

This is my experience of it. I’ve given up trying to use it, FD tech is awful :joy:

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1796

They are still the best I’ve ever seen away from the fintech lot (presuming they are the same as NatWest).

I tend to agree with the insights features, since it’s more or less the same with HSBC only the latter also allows you to set budgets.

But as with FD it never learns, you can’t exclude transactions, have to wait for it to clear before it registers so it’s broadly useless apart from seeing per category what you’ve spent each month.

1 Like
1797

Surely if you’re commuting daily you’d be using some kind of weekly/monthly ticket?

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1798

Let’s go further with that generalisation. I commute by car daily.

I know someone is gonna say ‘i meant by public transport’ but still…

2 Likes
1799

Probably true for most of the country, but in London I suspect that most commuters just tap in and out twice a day (for one transaction per day).

There’s also spending during time away from home to add on.

1800

The tap in/out of TfL is used in various places around the country now. Been in Belfast for several years now.

1 Like
1801

A lot just tap in and out now, even buses around the country you just use your debit card to pay, not a pass.

Obviously you wouldn’t fit into that daily commuter category then

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1802

Buses in Wrexham have tap on/off.

Felt really stupid when I asked the man for a bus ticket :joy:

2 Likes
1803

But even they hit weekly/monthly caps surely, and then transactions will no longer hit the underlying card?

Very questionable definition. I’ve had to drive an hour + every day there and back for a job before. That was very definitely a daily commute!!

We do in Nottingham too, but there’s only a daily cap, not a weekly or monthly one, so if you “commute every day” the correct option is to get a travel pass.

I see Arriva in Wrexham do have a weekly cap but again if you’re “commuting every day” using the bus the smart money is on a £54 4-weekly ticket or a £540 annual ticket.

1 Like
1804

I don’t use the bus often, in fact it’s been one time since December.

Nice to know we are slowly moving into the modern day.

I think it’s Arriva that only do 28 day passes not monthly? Which used to frustrate me no end some years back for work travel.

This was pre tap on off stuff.

1805

Pretty sure that he meant the ‘Public Transport’ category of daily commuter.

1 Like
1806

Absolutely. To ‘commute’ is to travel regularly between home and work.

1807

I mean surely you’d use your main bank account debit card more than 30 times a month, unless you’re spending completely on a credit card? I did somewhere like 20 transactions a day for the last week, usually it would be 5-10

1 Like
1808

I think folk are reading into my post too much.

It was an example of something a lot of people have - a daily commute that uses a debit card.

Not a comprehensive definition of what a commute is or suggesting everyone has a commute.

It’s wild that it was read in any other way tbh.

9 Likes
1810

20 per day?! What on earth are you buying? I’m struggling to use my TSB debit card 20 times a month to qualify for the £15 cashback in the switching offer.

1811

We have tap on and off in Sheffield, but only on First buses, not on Stagecoach buses, and not on the tram. It’s not been very well advertised and I’ve never actually seen anybody tap off.

Commuters here are definitely better off buying a weekly or 28 day pass.

1 Like