I’m a firm believer in future proofing where possible and using categories up until relatively recently has been a great way to manage and divide money into groups. What happens when the transaction fits into multiple categories? I think many other tech savvy firms have realised that using tags (with or without#) allows powerful search features to work… and here’s the future bit, by doing this it can simplify the integration of Monzo with other finance apps moving forward. Lots of detail to flesh out, but you get the gist. Use tags with or instead of categories. They must be used consistently, spelled correctly etc (master repository of validated tag words that is checked before you add??). Powerful google like search over years of finances would be awesome imho. Great work Monzo!!
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