OMG you know me! 
(Except without all the buzzwords obvs)
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Marketing spiel gold.
No link in the eyes? Come on… 
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So, external account subscriptions. What’s that all about?
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Easier way to identify and cancel?
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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.
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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
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I don’t have connected accounts. Does Monzo currently detect recrurring payments within connected accounts? If not, it could be that.
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No, it doesn’t at the moment. Connected accounts are good for Trends, but no Summary, no notes, no split the bill/shared tabs…
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Actually……
Please let this be the ability to update connected account transactions before they’ve cleared.
That would be epic 
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I assumed just like ability to manage third party subscriptions through Monzo?
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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.
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I was off last week, and this week, so I’m not even sure what’s coming…
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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 
)
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Still banned from the staff beta version, eh?
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This is really interesting, and I’ve always wondered about it. Thanks!
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I never was banned.
I’m Android now … so no Apple spoilers no more.
Android however
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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?
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(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)
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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 
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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 
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