I’m well aware, with all sorts of random omissions it’s difficult to properly use the joint account as your primary account and that does limit it’s usefulness.
Even the toggle to make the app default to joint account on opening seems to be stuck in Monzo Labs purgatory.
I still think it’s not too late for Monzo to fix it, but it’s slightly concerning that they have got this far without doing so as it will probably become more difficult to fix if more and more things are coded back to sole personal account dependancy - I imagine it will end up being a big job to unpick it all.
PS: I’m well aware that I was drifting off track slightly with some of my comments, but it’s still related to commentary on the overall state of the app so I believe it’s relevant.
Nonetheless, the points about joint account parity have been made elsewhere so I’ll not look to overly rehash them in this topic.
I would like to see some attention returning to the payments tab, with the more ambitious parts of the project initially focused on payees being revisited. This area of the app is already quite good but could do with some minor improvements.
At the moment merchant data is enriched by Monzo and is applied to every user.
What I’m suggesting is that each user is able to either use the central enrichment or to make their own changes which are only shown on their own account.
This would mean that I could curate my own merchant logos and merchant names immediately, without waiting for Monzo to update them. I could also manage my own merchant groups - there are two at the moment for Pret (one via Curve called ‘Prêt à Manger’’ and one via Monzo called 'Pret a Manger") - I’d combine those.
I’m dreaming now, but it’d also be excellent to be able to create my own regular expressions. So CRV* transactions could all go back to being labelled as online again.
This is probably quite workable, Emma already do it.
I believe what happens with them is that you can immediately update a merchant logo for yourself, but in the background this also gets submitted as a suggested change to the overall database. If multiple users suggest the same change they can see it and review those suggestions easily to update the database for everyone.
Except (like quite a few things) doesn’t work if you’re paid on a schedule Monzo don’t allow for - like fortnightly. Mine is currently telling me I’m £75 short by 4th December despite having a fortnightly repeating transfer into my bills pot.
