Two up-front facts about how I use Monzo…
1: I tend to add notes to each transaction describing the thing I bought/paid for.
2: I have started using virtual cards from Monzo Plus for (say) online transactions.
Normally the transaction list for Monzo shows the name of the vendor/retailer on the first line and the notes/tags on the second line in smaller text.
For virtual card transactions, Monzo instead shows the vendor/retailer on the first line and the name of the virtual card on the second line in smaller text.
This is really not helpful. Monzo already adds a small ‘card’ icon overlaid on the vendor/retailer icon indicating a virtual card was used.
I would argue that it would be much more helpful for me when inspecting the list of transactions in the main Monzo transaction list to see the notes/tags in place of the virtual card name.
This would allow me to understand which transaction was which (did I buy socks, a yoghurt, a night in a yurt?) and if then I needed to know which virtual card I used to pay, I could tap into the transaction details view.
I’ve attached a screenshot showing how several transactions appear that were all paid using a virtual card. As you can see, three of the payments were with the same vendor (Apple) using the same virtual card (named: Apple Pay) and are thus very hard to distinguish from each other. Only by tapping into each can I see that one was for a monthly sub, one for an app purchase and one for an NFC store payment.
I think the way Monzo is currently displaying transactions for virtual cards is sub-optimal and hope others may agree - hence this post. I couldn’t find this already logged on the forums after searching for a few key phrases but usual apologies if this topic has been well covered elsewhere.