Hi @grant.macgregor. Thanks for your questions.
We should have our api for Emma/Yolt and everyone else around April.
We’re already testing with staff now. We’re hoping to release in mid-January if all goes well.
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Hi @anon55191714. Thanks for your question - we’re aware this is really annoying for a lot of customers. However, because we offer credit rather than just a current account, we need to do so responsibly and that means gathering enough information about customers to make sure that we come to the right lending decisions. We are exploring methods of reducing this friction, please do bear with us in the meantime.
Hi Will. We know we’ve got a long way to go, but it’s genuinely useful to hear what’s most important to our customers.
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What have you learned?
@jwhiterz
Great question.
We strongly believe that credit is useful, but can be risky. Therefore we want to limit that risk and help our customers to use credit appropriately.
Right now, spending money helps make sure you don’t spend beyond your means, will highlight when a bill is due and if it has not yet been paid, simplify your bill into a single sentence so people understand how much and when to pay. As in the image below, the app shows users very clearly how much money they have left to spend next to their outstanding card balance - so you can tell at a glance if you’re getting near your own spending limit (not just the credit limit).
A lot of what drives autosavings is that we want to help customers build a buffer to balance their credit.
We’ve also got a lot of features in the pipeline, aiming for Q2 of next year that will be focused on control and transparency.
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@alejandro.mery - Glad you like notifications. As Grant mentioned, we had a system upgrade while you were making your comment. We release new updates to the app every two weeks, so hopefully you’ll start to see real value coming in over the next few months. In the past a lot of our value add has been in aggregation, which we’re aware Monzo customers do not currently benefit from. The next two months will start to see a lot more features that don’t rely on this data, so hopefully you’ll start to see a lot more value from the app in 2019.
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Roadmap please Dan?
Rough is fine for me. Won’t hold you to it.
there are many great aggregators, I use emma and moneyhub, … but unfortunately, they don’t support my Tandem card… I presume it’s because of the lack of an open API.
I would rather have a great modern credit card provider than yet another aggregator.
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@DanTandem I’m wondering if a web interface is in the works or planned for the future?
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This is not in our planning at the moment, sorry!
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Will you allow multiple auto savings account or multiple savings accounts where we can change the name of them? (like Monzo Pots)
And is it possible to have more than one credit card with Tandem?
Thanks for answering Dan!
Hi Lewis.
We’re just about to launch autosavings and the Tandem (instant saver) account to a small number of Android users from Wednesday this week. Autosavings will be developing over the coming months, so we’ll have a much clearer idea of how it’ll eventually look once we’ve seen a bit more info about how people are using it. Multiple pots is a possibility, but it’s not currently in the early stage plans.
If you’re talking about additional cardholders-
We tested this at one point, but unfortunately we don’t have automatic ways of setting up and running additional cardholders on the account, so we’ve stopped doing it and will resume once we’ve sorted out the back end, which will be early-mid 2019.
If you’re talking having the journey card and the cashback card, ie the two Tandem credit cards that . we offer - I don’t think anyone does at the moment. As the cards have essentially the same benefits, except that one offers cashback and is generally cheaper APR, it would make more sense to cancel the journey card and only use the cashback card - and argue for a higher limit on that.
When we’ve made our own backend systems for the entire application process, we’ll be able to direct someone to the card that is more appropriate to them without having to do a hard check. We will also be able to proactively offer credit limit increases for customers that would benefit from and can afford it. This is again pencilled in for early-mid 2019.
Here’s a tantalising shot of our feature tree and plan for the coming quarters.
Orange post-its - the trunk - are the features we already have. Yellow ones are the ones to come.
More details to follow…
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a higher resolution (readable) picture would be amazing 
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Hi l8n.me -
Thanks for your question, not rude at all. Absolutely delighted to answer any questions you have on the co-founders forum - do you know how to post a question on there?
Meantime, I’ll publish the image of the feature tree in higher resolution on the co-founders’ forum, so you can actually see what it says there.
And feel free to send me a direct message on the normal facebook page so I can look into anything you specifically want answered for you. (facebook.com/tandemmoney)
Just waiting for permission from my bosses. If not I’ll write up a list when I have a moment.
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So I decided to give them a go, as I like instant notifications and their cashback credit card seems attractive.
I started registering through the app to no availability. Unfortunately, there was a ‘login service error’ displayed right after entering the confirmation code received by SMS. For some reason it kept displaying that message even though I tried several times, and I was not able to register. I let Tandem know via Twitter.
I then tried going through the process on their website. After filling in the details and just after the credit check an error message appeared suggesting to try again later. I tried again and my application was retrieved. I was offered the cashback credit card, with less than half the limit of most of my credit cards. Can’t complain too much though, as I am planning to use it for every day spending which will be well below that limit.
Overall, the process had its issues but in the end I was able to get the application through. Now waiting for the card to see how that works in every day usage.
I had the opposite issue to be honest! I signed up through their website, sailed through everything got the card at the rate and limit I wanted and popped it to one side.
Text comes through from Tandem apologising for the error, (what error) and a link to click to claim my card. Clicked on it and nothing, card disappeared.
Waited two days for CS to reply. Card reappears and I accept. Their sign up worries me a lot, it seems to be totally broken, however having used Tandem now for a few weeks, first statement on the 22nd, it seems ok. I’ve twinned it with Curve for the extra cashback.
@anon99402360 how was your credit limit? You don’t have to reveal, just say in comparison to your other credit cards.
Those issues seem worrying. They probably need ironing out by the dev team.