# Trends - a big update to the Monzo experience **URL:** \ **Category:** News & Updates\ **Created:** [4 August 2021 09:36 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013 "2021-08-04T09:36:23Z")\ **Posts on this page:** 20\ **Page:** 43
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [1 August 2022 16:51 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/899 "2022-08-01T16:51:35Z")
OMG you know me! 😂 (Except without all the buzzwords obvs) ---
**Author:** ![davidwalton](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/davidwalton/32/111540_2.png) [@davidwalton](https://community.monzo.com/u/davidwalton)\ **Post date:** [1 August 2022 20:13 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/900 "2022-08-01T20:13:48Z")
> [@coffeemadman](#): > > “WE’RE GOING TO HAVE THE MOST AMAZING AND TRANSFORMATIONAL EVENING OF OUR LIVES, REALLY COMING TO TERMS WITH OUR OWN INNER SELF AND GRAPPLING WITH SOME OF THE MORE EXISTENTIAL ISSUES PLAGUING OUR GREAT SOCIETY AND HOW WE CAN RESOLVE THE PROBLEM OF THE GREAT DIVIDE, AND I BELIEVE THE LOCATION TO THESE GREAT ENDEAVOURS PROVIDES THE BEST SPACIAL DYNAMICS TO ACHIEVE OUR OBJECTIVE IN THE MOST EFFICIENT AND COST EFFECTIVE MANNER!” Marketing spiel gold. > [@Peter\_G](#): > > Speaking of which, new Android beta just dropped. Bit delayed from last week. > > I wonder what secrets it holds? 👀 No link in the eyes? Come on… [👀](https://docs.google.com/document/d/1aMuFqMGiucQeFxZIjaJ8UDkDiQSioHs_u5kxIdsj2N0/edit?usp=sharing) ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [1 August 2022 20:16 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/901 "2022-08-01T20:16:29Z")
[👀](https://docs.google.com/document/d/1aMuFqMGiucQeFxZIjaJ8UDkDiQSioHs_u5kxIdsj2N0/edit?usp=sharing) So, external account subscriptions. What’s that all about? ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [1 August 2022 20:28 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/902 "2022-08-01T20:28:18Z")
Easier way to identify and cancel? ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [1 August 2022 20:29 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/903 "2022-08-01T20:29:18Z")
Well hopefully whatever it is, it’s enabling work for the merging of summary and trends. My guess is that it’s a forecast line based on your spending. ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [1 August 2022 20:43 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/904 "2022-08-01T20:43:44Z")
I was on a completely different page, thinking about paying for Plus or Premium from external accounts. Which then made me think about paying for / having access to Monzo Plus without a Monzo current account. But what you say makes so much more sense 😂 ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [1 August 2022 20:50 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/905 "2022-08-01T20:50:24Z")
> [@Peter\_G](#): > > So, external account subscriptions. What’s that all about? I don’t have connected accounts. Does Monzo currently detect recrurring payments within connected accounts? If not, it could be that. ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [1 August 2022 20:55 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/906 "2022-08-01T20:55:55Z")
> [@o99](#): > > Does Monzo currently detect recrurring payments within connected accounts? If not, it could be that. No, it doesn’t at the moment. Connected accounts are good for Trends, but no Summary, no notes, no split the bill/shared tabs… ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [1 August 2022 21:36 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/907 "2022-08-01T21:36:25Z")
Actually…… Please let this be the ability to update connected account transactions before they’ve cleared. That would be epic 🙏 ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/124177_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [1 August 2022 21:54 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/908 "2022-08-01T21:54:01Z")
I assumed just like ability to manage third party subscriptions through Monzo? ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [2 August 2022 09:32 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/909 "2022-08-02T09:32:29Z")
This morning I mostly have dread that we’re going to get an amazing feature announced, but rolled out very slowly, with me at the back of the queue. ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [2 August 2022 09:39 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/910 "2022-08-02T09:39:56Z")
I was off last week, and this week, so I’m not even sure what’s coming… 👀🔜 ---
**Author:** ![Moddingfriendly](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/moddingfriendly/32/62845_2.png) [@Moddingfriendly](https://community.monzo.com/u/Moddingfriendly)\ **Post date:** [2 August 2022 09:47 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/911 "2022-08-02T09:47:33Z")
This is actually a very difficult challenge because legacy banks don’t move from pending to a `presented` payment. Instead, they just delete the pending payment and add in a new payment with the correct details. Meaning if we let you categorise the payment we might mismatch your payment (or if you have 2 similar payments at the same time merge them 🔀) ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [2 August 2022 10:11 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/912 "2022-08-02T10:11:36Z")
Still banned from the staff beta version, eh? 👀 ---
**Author:** ![coffeemadman](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/coffeemadman/32/124177_2.png) [@coffeemadman](https://community.monzo.com/u/coffeemadman)\ **Post date:** [2 August 2022 10:26 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/913 "2022-08-02T10:26:24Z")
This is really interesting, and I’ve always wondered about it. Thanks! ---
**Author:** ![Carlo1460](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/carlo1460/32/122202_2.png) [@Carlo1460](https://community.monzo.com/u/Carlo1460)\ **Post date:** [2 August 2022 10:26 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/914 "2022-08-02T10:26:48Z")
I never was banned. I’m Android now … so no Apple spoilers no more. Android however 👀 ---
**Author:** ![dinosm](https://avatars.discourse-cdn.com/v4/letter/d/71c47a/32.png) [@dinosm](https://community.monzo.com/u/dinosm)\ **Post date:** [2 August 2022 10:58 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/915 "2022-08-02T10:58:18Z")
> [@Moddingfriendly](#): > > they just delete the pending payment and add in a new payment with the correct details. Meaning if we let you categorise the payment we might mismatch your payment Seeing as 99% of the time (statistic based on my own opinion and experience with no shred of other evidence to back it up) the final payment matches the pending payment merchant and amount, shouldnt’t it be easy enough to program the logic of matching it in-app? ---
**Author:** ![Moddingfriendly](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/moddingfriendly/32/62845_2.png) [@Moddingfriendly](https://community.monzo.com/u/Moddingfriendly)\ **Post date:** [2 August 2022 11:15 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/916 "2022-08-02T11:15:42Z")
(I’m not in the team that works on this so this is anecdotal) It’s going to be the 1% that’s the worst though, imagine you put all your categories in, etc and suddenly 3 days later they are gone. If we had notes, bill splits, etc on connected accounts and they just disappeared into dust because your bank changed the transaction under the hood. It’s better to offer a consistent experience that is a little annoying for a few days than a broken one (, and 1% of daily transactions is going to be in the hundreds of thousands of transactions so still a large number of customers that would be impacted) ---
**Author:** ![oioisav](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/oioisav/32/25026_2.png) [@oioisav](https://community.monzo.com/u/oioisav)\ **Post date:** [2 August 2022 11:40 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/917 "2022-08-02T11:40:40Z")
The philosophy regarding trends is a good one. I see the great value and the usefulness when viewing previous months and year comparisons. Sadly it is still so much in its infant stage and has remained that way since roll out. My biggest problem, which I feel could be rolled out quite easily is 28 day, 4 weekly cycles for resetting the trend date, which has been around in summary for ages. Hopefully it will be in this big news update this week? Until then I’m going to hold my breath 😥 ---
**Author:** ![JIMMWX](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jimmwx/32/95737_2.png) [@JIMMWX](https://community.monzo.com/u/JIMMWX)\ **Post date:** [2 August 2022 11:54 UTC](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013/918 "2022-08-02T11:54:40Z")
Amazing detail, thanks for going into the weeds with the response. I figured it was one of those things that “sounds” easier than it really is 🙂 [Previous page](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013.md?page=42) [Next page](https://community.monzo.com/t/trends-a-big-update-to-the-monzo-experience/121013.md?page=44)