Intro to Core Experience 🎉

[michaelw90 (Michael)]

My biggest gripe with shared tabs if people pay outside of them. I can’t add a payment from someone else to it, and attribute it to them as a positive payment for the tab

[N26throwaway]

Good to know I’m not the only household money-mule!

The big issue I have is when people who don’t bank with Monzo pay me, or those with Monzo don’t pay me back the right way. It breaks the entire experience to the point I’m not better off than trying to track everything in notes.

Just for the fun of it I started tapping the send payment reminder on all the outstanding things from the past three years, hundreds of them mounting to thousands in £. And because of the way Monzo word those notifications I had them all rushing to my office to query what the heck is happening because they’ve already paid me back for this! That was a fun day.

[ndrw]

@N26throwaway

Good to know I’m not the only household money-mule!

Those sweet Avios/MR points/cashback!

Luckily for me it’s just a two-person household so when the payment doesn’t work (Shared Tab seemed broken yesterday for example) then the other person can just add a new transaction to bring the balance back to 0

[robsug]

We’re a heavy Shared Tab household as well.
Amazing feature but I’d really like to see it receive a bit of love.

Edit - just to add, when considering moving to Starling, Shared Tabs were the one feature that kept us with Monzo!

[chrstphrtlbt (Christopher T)]

Thanks for replying Giorgio. As a heavy user of the feature, it just requires some love as I can’t think of a single update that’s happened there for years. A few bullets on what I think are issues:

• I’m a Plus account holder, my wife is not. If I add items to a Shared Tab tagged with a Category for Groceries, if she pays me it always returns as General. If she adds Groceries and I pay, my payment will be tagged Groceries. It’s been like this since I joined Plus. (I’ve raised multiple support tickets, still no fix) and I manually have to go into every single payment from my wife and change the Category.
• If you want to add multiple payments of the same Category to a tab, you can’t then change the amount the other people in the tab can pay, you have to add them individually.
• No ability to Close/Leave a Tab if 1 person doesn’t pay via Monzo (they might have sent me Money separately to my account) and then you’ll have an Open Tab on your Payments page indefinitely. I had one open for 2 years that I couldn’t close until I eventually added a Custom Bill to the same 3 people, and they paid me the amount, for me to just then give it back to them.
• Notification Badges for the Shared Tab don’t work very well, incredibly laggy and don’t accurately update quick enough. There’s probably a better solution around In-app Notifications that you’re working on separately that might tie into a fix here.
• Shared Tabs with non-Monzo users, any chance of this?
• No ability to add Recurring Payments (Gousto weekly) to a Shared Tab without it going into your Committed Spending. I still want to see how much I spend on Gousto a month in my Trends
• The UI needs some love.

Hopefully that helps you with your discovery process a little. It’s our most used feature with my wife, because we put all Groceries, Eating Out, Travel and then Holiday expenses into individual tabs, specifically because we know we won’t move over to a Joint Account because it just doesn’t get the love the business can give it.

[awjdean]

Just to add to @chrstphrtlbt’s great suggestions (budgeting and Shared Tabs don’t really work together at the moment).

It would be really useful to be able to add shared notes and receipts to Shared Tab items (like Splitwise). I find people tend to forget what each item is for, especially when the merchant’s name isn’t particularly recognisable (e.g., when on holiday).

[projectfortytwo (Chris)]

The business account homepage had been changed - on the existing layout not the new one, and it’s really irritating.

Xero gives me a “Xero balance” and suggests I compare this with my bank balance on the same day.

Since a day or two ago the business account and pots are now split into two sections each with their own balance. So now I have to do mental arithmetic or grab a pencil or calculator and add the two together.

I asked support and they have “taken this as feedback” and suggested that I could “simply” download a statement to get the combined balance.

Other than adding friction and irritation this seems pointless to me.

[Peter_G]

Hey @giorgio and team!

It’s been a good few months since your intros. I’m sure we’d all love to hear about what you’ve learnt and what problems you’re tackling.

And naturally any spoilers/designs you can share!

How goes it?

[projectfortytwo (Chris)]

Wife has just been opted in. And hates it already (activity, all pots together, the same things I hate funnily enough).

But… She chose the basic layout, and wants to try the alternative. But neither of us can find a way to switch layouts. Edit layout only seems to let you edit the layout you have.

Any ideas?

Edit. Discovered that for the moment she can still turn it off in labs. She’s looking at a Starling account.

[Carlo1460]

To change the basic features just tap 3 dots next to Pots and change to list view or image view.

Then edit layout switch on Spotlight.

Very much the same as the other version then.

But yeah just switch it off in Labs for a temp removal but it’ll come eventually, just takes time as with anything. Starling are also allegedly due to revamp their app soon too.

Time to embrace change instead of running from it

Chase is probably one to check out, I don’t see them considering app layout changes any time soon.

[Peter_G]

What I said over here!

@Peter_G

I’m as guilty of this as anyone, but shall we take this to the App Evolution topic?

(Core Experience is something slightly different, I think).

Actually, @AlanDoe shall we close this topic and direct folk to the updated one?

Core Experience Update

What has core-experience been up to since our last post? It’s been a few weeks since we last checked in as a squad, so I wanted to drop in and give a quick update on where we are! You’ve been giving us A LOT of awesome ideas to look into - thank you! We’ve been working on a number of improvements and have a lot more coming Shipped Some big improvements to monzo.me Apple Pay and Google Pay are now supported We’ve raised monzo.me transaction limits from £100 to £500 …

[projectfortytwo (Chris)]

I’m sure someone will have a go at me for being unable to use search … I eventually found the other thread too. And yes would be good to close this now.