It behaves so bizarrely and just makes no sense when it comes to splitting bills or requesting money from people. Some big gripes include:
Automatically ‘adding’ to the left to spend amount when you request money from people.
When a purchase is made on a Virtual card, the payment doesn’t affect summary, but then if you bill split that payment, that incoming payment will then affect left to spend. What?
Forcing certain payments to be ‘committed spending’ with no way of turning it back - ie. Monzo Plus payments.
If you ‘exclude from summary’ a payment you’re bill splitting, the incoming amount is added to the summary amount.
The majority of this would be sorted by just allowing incoming payments to be ‘excluded from summary’. The bizarre behaviour of virtual card payments means I’m quitting Monzo Plus as soon as I’m back from holiday and never coming back. It’s literally the only useful idea and it just doesn’t work well.
I’ve not seen any tweaks or fixes to Summary since about 2018 - why has any improvements been completely stopped, and why is Monzo so happy to leave it to rot? Literally just asking for the basics to be right, not anything innovative.
I don’t think anyone expects to be able to travel back in time and undo their spending
The idea is that you analyse your past spending to adjust your budgets/spending for the future. i.e. see where you’ve perhaps spent too much on something and incrementally cut back over the weeks or months.
As mentioned in the topic above the plan is for Trends to take over summary and be a unified tool that does all this and more.