I have/had a long list of excluded transactions. It was really hard to find out what each transaction was. Seeing just the reference (not payee name or account from/to) is very confusing.
Mass excluding items also tends to exclude too much, because it only seems to look at the payment references, which are often not very descriptive for transfers between my own accounts . Particularly as the full name is now needed for some payments, so I have lots of payments with just my name as reference
I think once you’ve got 3+ accounts, there has to be some categorisation at the account level.
For example, I want to see the net amount I put into a savings account each month, so I un-exclude those transactions. But what I get is an income item and the outgoing payments in my Savings category as an expense… It messes up the analytics too.
What I want is a single monthly figure for my net amount going into or coming out of the savings account.
There are lots of problems like this that I think a greater focus on the accounts level would easily solve.
The transaction above was actually Amex cashback linked to a random transaction with a matching amount, because Emma assumed all payments into a credit card are from me. So some more intelligent understanding of the nature of transactions for account types would also be great…