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Genuine question with all of these things: What would you do with the Merchant Category Code information?

In my opinion, empowering users does not mean showing you every possible piece of information, it’s about giving you the right information and tools in the app to make decisions. Knowing that Amazon was MCC 5942 - Bookshops until April this year, when they changed to MCC 5999 - Miscellaneous and specialty retail outlets possibly isn’t the most useful to people.

Merchant Category Codes already power several app features such as transaction emoji, default categories, and gambling block off the top of my head. The majority of transactions just use one of the generic “not otherwise categorized” codes though.


Give you information about how merchants see themselves. Gives you info about payment processing.

Incredibly useful in troubleshooting any issues with payments, points, cashback.

Absolutely vital in reconciling statements. I have spent hours trying to work out what several transactions on my statement with cryptic names just as “MB” and “Mega Ent.” are. With the MCC this would have been solved in seconds.

Hey guess what? It’s not just about you. Because only others use a feature does not mean you get to veto it!

It’s about all the people who would find it useful on a daily basis as well as other metadata inexplicably hidden from us.

The data is already there, it costs nothing to shove it in a csv or wrap it in some CSS. What exactly would you lose from having this available?!

It’s not exactly a UX miracle to make it available to those who need it without clogging up feeds of others.

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Ok. So not useful then thanks. Let’s not waste effort on it then.

Woah woah woah. Can’t disagree with this more. If there are non-confidential data, making them available to the owners of that data can never be a bad thing. It can be tucked away inside a csv export or similar if you want, but there’s never ever a reason why this should be withheld! Who would possibly lose out by making this available to us?


Sorry, this sounds a little arrogant to me? The point I was making is that it is massively useful to a lot of people (and for other use cases I haven’t identified). Why are you seemingly writing it off because it’s not relevant to you?!


You mean like accurate and reliable Merchant Data in app?

Oh wait…


Great point. So many other reasons I probably haven’t thought of.

The guy writing the receipt app or people working on tools via the Monzo API would kill for having access to all data not just a certain subset Monzo deem us worthy to see.

Look at any other interesting web app. The more data the better always. There are unforeseen and amazing developments by keeping things as open and transparent as possible!

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How have you managed with banks so far in your adult life (genuine question)? I didn’t think banks generally offered this data? I might be wrong on that, I have never tried to find it.

Er, patronising much?

With difficulty. It makes things unnecessarily hard on certain occasions.

But the whole point of Monzo is it’s meant to be an empowered improvement on legacy banking!

I may as well ask how did you manage without instant smartphone notifications of transactions, purchase categories and being able to freeze your card from an app “in your adult life”.

Let’s try to work about what’s best for everyone rather than trying to demean each other please?

fyi, other banks do provide this information as a matter of course. It’s not intrusive and it doesn’t clutter things at all.


It was a genuine question, not being patronising. If you have not had that data before, how have you done all those things you mention?

I have never had issues with ‘payments, points, cashback’ that MCC would help with. How would it help me? I don’t know. I am asking you.

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Points. I could then know which merchants would give me more points on my CC :slight_smile:

I could also diagnose issues where I did not get points due to incorrect MCC.

I have had to spend 30 minutes on the phone diagnosing and resolving. Some banks I have had offer partial data on this.


Perhaps think about your phrasing then. “How have you managed with banks so far in your adult life” What purpose does the emphasis on “adult life” have?

And if you read my post you’ll see I do have this data from other banks. That’s how I do it.

Other I have to call and go through to a special department for them to tell me basic info like this. Or wait for 20 hours on Monzo chat for them to tell me.

Again, with respect, the point is the data are there already! What is the use in keeping them from us?!

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Because I doubt you cared when you were seven years old :+1: Stop seeing things which are not there.


Do other fintechs provide it?

Other banks do. My American CC does.


So no purpose that wouldn’t have been achieved by leaving it out? You know you were being patronising, stop digging.

As I said, I’ve given concrete examples where this is the case.

To repeat one. I go through my bank statements monthly. One time I saw a payment I didn’t recognise as all my bank statement said was “MB” and the date it cleared. I had no idea what actual date it was made, no idea about the time, the location. No idea whether it was chip+pin, cardholder not present, 3DS, nothing. I had to call to find the exact time the payment was made, then go through my google maps location history to check all the places I’d been and my browser history to the websites I’d visited. Finally, with the MCC I was able to narrow it down sufficiently to a company called “Roar”. There are dozens of metadata here that could have saved me a lot of time.

With just the name “MB” and the date, it was virtually impossible to work out what this payment was a about and whether I should query it before it’s too late.

Now banks can either choose to show the bare minimum “date” and “MB”. Or all the other data. Monzo use things like location to great effect. Time is very useful on days where you process dozens of transactions. So are all the other pieces of data.

Just because many people haven’t found themselves using postcodes of transactions regularly in the past with legacy banks doesn’t mean if we have the ability to display it would should hide it from everyone…!

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Weird. I’ve been reconciling statements for 40 odd years, and yet had to Google MCC to find out what it was.


But with Monzo (or any bank with instant notifications) you will either immediately know what it is, or it is fraud? Or are you saying you go through Monzo statements monthly too?

Good for you. You must be really proud of yourself.

Monzo please make note to rip out budgeting because people managed 40 years without!