When I receive a payment and categorise it, that amount should deduct from my spending summary for that category. E.g. I overpaid my tax bill, then received a rebate, but the rebate doesn’t deduct from my ‘bills’ summary so it looks like I spent the original amount.
When you ‘split’ an outgoing payment with someone, the linked payments are deducted, but often friends will pay me back, not through the split function, just as a separate payment.
This could also be achieved through enabling linking of incoming payments retrospectively as if they were split
(Retrospective bill splitting, including from non-Monzo accounts).
Merged to existing thread