Plus Free Trial - Feedback Thread

Monzo Chat Monzo Plus
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I’m also coming to the end of my trial and have also decided I won’t be continuing as a paid user. For context, the only aspect of Monzo Plus that really appeals to me is aggregation/analytics. I already pay for a 3rd party aggregator, so to switch to Monzo Plus I’d have to decide to ditch that aggregator and use Monzo Plus instead. Here are the main reasons I’ve decided I won’t be doing that….

  1. There is no easy at-a-glance summarisation of connected accounts by account type (for example I can’t quickly see my balance across all current accounts or across all credit card accounts). I can do it using the filter in Trends but that takes several seconds each time you want to switch to a different collection of accounts. Perhaps having pre-set or user-configurable filter collections would help (in addition to the current ability for ad-hoc fine-control).

    EDIT - I think another good option for summarisation would be the option to see a widget on the home tab which provided high-level summary of connected accounts, as an alternative to all accounts being listed in this location. I say more about this elsewhere.

  2. There is no prediction of upcoming spending from connected accounts.

  3. There is no “All transactions” feed which shows transactions across all accounts.

  4. The notes field and bank transfer references in the Monzo app are problematic because they are coupled. I explain this issue in more detail elsewhere.

  5. Trends/categorisation has limited flexibility in what is and is not considered a spend-type transaction. As far as I can tell, I don’t seem to be able to mark an individual transaction as excluded from spending - I seem to only be able to mark whole categories for exclusion (although I suppose I could create an “excluded” category with Monzo Plus). Furthermore I would generally prefer to treat transactions categorised as savings as spend-type transactions, but this doesn’t seem to be under user control.

Points 4 and 5 aren’t specifically Monzo Plus issues (they are also a Monzo Free issues). But they are obstacles in ditching my 3rd party aggregator (which I currently use for notes and categorisation across aggregated accounts).

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