Hello fellow Monzo users!
I have only recently started using Monzo and absolutely love it. I only use my account for my monthly spending money (lunches, lifestyle etc.) and I think it is great how I can keep track of how much I spend on a daily basis buying lunch at work and then how much more I spend on a weekend eating out, buying coffee etc.
Yesterday was out with a friend and decided I would show off my shiny new Monzo cars (I know no-one likes a show off, but feel that it is acceptable when using this card) by paying for some food and a separate transaction at a bar for a couple of drinks. Usually it would be a case of paying separately or just ‘you pay next time’ situation, however we were only out for a limited amount of time.
After sending said friend a .me link to pay me the friend was very impressed with how quickly the transaction showed up on phone (I love that it’s instant) and how easy it was to split the transaction between another person.
So… It’s all great up to this point, however I noticed this last week when buying food for a picnic before splitting via .me and that is when comrades pay you via the .me link, I notice that the amount they have paid does not reduce the total spend for that month on that category. Yesterday I spent around £27 om food and entertainment, however my net spend was only £13.50 and feel this skews my overall spend.
Bottom line is that I would love to see a .me payment reducing the transactional value impact on monthly spending for the transaction that the .me link was created from. I appreciate that this may not be able to be changed for the rolling statement but could be a great addition into monthly spending as this seems separate from the statement page.
I am sorry this may be long winded, I’m pretty new to monzo so this may be something that is available and with more experience using the app I may be able to make this more concise, however wanted to get this out there to help developers if this hasn’t been picked up yet.
Happy Monzo User