I wanted to swap from one AMEX to another which was better fitted to my needs. Went ahead and did it all, but didn’t realise Monzo didn’t cache/hold a copy of any transactions at all from that old card.
So I lost everything and now my Trends, which I used a lot! Is meaningless 
I don’t know if there’s a way to get this back but I assume not. The old card is gone and I’ve removed it from the Amex app as well.
Swapped from Gold to Platinum Cashback
Is this not expected behaviour? If I changed from one credit card to another, even within the same institution I wouldn’t expect the history to be shared / kept?
I also wouldn’t expect, if I unlinked a credit card from my connected accounts, the history to be retained within Monzo - otherwise what’s the point of unlinking them?
Sorry if I’m misunderstanding something 
I would expect when I unlinked it to warn me I’d lose all the transactions I painstakingly categorised over 2 years.
I would expect given that Monzo is storing the categorisation data than when a card disappears I would have the option to keep all the transactions in my history.
It patently makes no sense to have a feature that I’m paying £5 a month for, that I get immense value from but that immediately is completely ruined if you don’t keep every card and connected account literally FOREVER.
Especially given (eg) the gold amex has a £180/yr fee which I may not want to keep forever, and using cards for a year or two while some offer is active is very common.
It’s pretty obvious that the transactions I’m categorising on Monzo’s side should remain in my history for the last few years when I disconnect or cancel a card going forward.
It may be that there’s some legal or data protection issue with doing this, in which case that should be clearly warned at both sign up and disconnection time so you know that all your history will be literally ruined anytime you don’t keep the exact same set of cards and accounts.
Hope that clears things up! 
It would be nice as an option! ‘save all transactions in Monzo’ or something.
If updating your Amex card is going to delete all its trends history, that does really inhibit using Monzo as a budgeting tool as history is extremely important for any budgeting. If I disconnect an account from YNAB, I still have the history for example.
I think this is probably the case - but I’m nowhere near the product to say so definitely. But it’s likely a limitation of what can be done within the legislation (which is pretty prescriptive).
I don’t really use trends - so it was a genuine question!
I will feed this back on Tuesday though!
Thank you, much appreciated!
Apologies if my last post seemed exasperated. It just seems very obvious to me that this isn’t the way it should work. I was pretty shocked to see my last few years of trends completely ruined (I put 90% of my spending on my credit cards for rewards so I basically lost everything except my direct debits).
yes this is why I prefer Emma finance app for this, remembers everything even when disconnecting a card. Surely an easy upgrade if Monzo wanted to…
Hi Dan, any update on this - did you hear anything back?
Yes this is something that really concerns me also. I use trends and keep my history but I have external accounts for lots of my day to day spending. There is a feature request for keeping transactions after unlinking an account but can’t find the link at present.
Just bumped into the same issue. I had to get a replacement AMEX card, and the transactions from this new card weren’t showing up in Monzo, so I removed and re-added the account… Which resulted in all the transactions data I’ve been adding throughout the years being lost.
As James already pointed out, such a destructive action should be behind quite a few layers of swiss cheese: one extra dialog saying “you are going to lose all the data associated with the account” would have been enough to deter me from unlinking the account!
On a related note: I might have exported the transactions at the end of last year, and now I’m wondering if I could somehow import those to repair some of the damage 
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