These are more ‘quality of life’ improvements I would like in Monzo rather than ‘missing banking functionality’ - but what are other people’s thoughts? Agree/disagree/better ideas?
Yesterday I received a refund from Amazon but it looks like it was just a cancelled authorisation from the 17th. It would be nice, if possible, for these to be shown ‘linked’ (a little chain icon on the feed maybe) to make it easy to find.
Many people, like myself, pay their credit card bills (or loans) or similar using Direct Debits on their Monzo account. They probably also make ‘overpayments’ more than the DD asks for my sending payments - it’ll be nice if there was a way of associating multiple ‘Sort code … Account number … Reference …’ with a direct debit/merchant (I say multiple was the reference numbers may change on card reissuance: MBNA likes the card number to be the reference number). That way it’ll make it easier to see what I’ve spent on my credit card instead of having to look for ‘MBNA logo’ direct debits and ‘mbna’ transfers out.
Payments in multiple categories
Again, credit card mainly related. When I pay my credit card bill (by Direct debit or transfer), it’ll be nice to be able say ‘Split payment’ and allocate the funds to specific categories (‘of the £500 credit card bill, £350 was Groceries, £50 was entertainment and £100 misc’) to help further expense tracking. If I could further allocate some of those to merchants, it’ll be brilliant.
Custom icons for feed items
I received some money from another Monzo user (I’m guessing it was a Monzo-to-Monzo payment as there is no indication on the transaction item on how it was received) and it’ll be nice to be able to give them a picture on the feed list - same with my salary payments, outbound payments to our joint account account etc etc.
I’d like to be able to view (ideally on a zoomable bar graph), spending per day/week/month for the last week/month/year. If the bars could be reasonably colour coded per category and, once you’ve zoomed in, clickable to show the detailed breakdown/transaction list for that selection, it’ll be brilliant.