That’s true. At the moment I actually split my shopping into different transactions at the till, so I can tag them with different things (e.g. I want to know how much I’m spending on beer, to see if I should cut down, but I can’t tag my entire grocery shopping with the #beer tag because it wouldn’t be accurate).
It’s easier to do that at the self-service tills, but fortunately human checkout staff haven’t looked at me weirdly when I’ve asked if some items can go through on a separate transaction
Being able to split transactions would be great when part of the transaction involves spending money on other people (e.g. when buying a round). I’d like to know how much money I’m spending on rounds for people or things for people in general, but if I buy a round and tag that transaction as #gift, it’s not completely accurate because one of those beers was for me. That distorts the data quite significantly when I’d like to see how much I’m spending on other people for the whole year because many, many of my own pints will have been included in those #gift transactions, meaning I don’t really know quite how much I’m spending on other people. I could introduce a #round hashtag, see how many transactions are underneath it, and minus £5 for each, taking that total away from the total amount underneath the #gift hashtag, but that’s nowhere near as automatic or as accurate as I’d like.
If @MRMR’s suggestion as to why Monzo don’t allow us to manage our ATM transactions is correct, perhaps Monzo could allow us to split out all card payment transactions apart from ATM transactions.