I’ve noticed that my savings accounts (which are pretty much limited to Monzo/Starling until Marcus is available in Emma) do not show a transaction history (No transactions available).
Considering the movement of money to/from the pots/goals is available under the main account (albeit marked as excluded), can this not be shown there? I don’t know if interest payments on external savings pots are available via the Monzo API so that may cause some issues(?), but interest for Starling is paid to the main account so there shouldn’t be any transactions to miss for that.
It’s strange as the transactions are there as being taken out under excluded when looking at the account, but it would make sense to have the history of them in Emma.
Is suspect the reason could be because Starling don’t keep this record themselves, at least I haven’t seen a way of seeing my historical transactions to my goal.
Also, same for “rounding up”, (where it rounds transactions to nearest pound to put in a pot).
It records the original cost in Emma, but what happens to the missing up to 99p ?
Did you get any response to this from Emma? I’m having the exact same problem. I have just started using Emma again and it’s worthless if they can’t fix this problem because I use the virtual cards linked to my Starling Pots to separate out spending for bills/entertainment/groceries etc. None of those transactions are reported in Emma!
Excited to see the outcome of this! If hopefully you can display the transactions within the spaces, I can fully use the budgeting tool as bills are paid from a Starling Space. You are the only app I have seen which can list the spaces themselves so hopefully you can get it!
Is there somewhere where I can read how emma handles pot transfers in Monzo. I have spent a wealth of time getting all transactions reconciled since using emma in 2018 - 20000 transactions. I have now done a transfer out of my monzo savings pot for 100.00. It is an internal movement but I only have 1 entry not 2, so now excluded is back out of balance by 100.00.
we shouldn’t be able to get the transactions from Monzo; we have some custom/specific rules to detect these as internal, but if we miss them just label them as excluded?
I use Monzo too but I don’t quite understand the issue you’re having here.
I just mark everything that goes from main account to a pot as excluded and do the same for transactions that enter my main account from a pot. That way none of these internal movements are treated as a spend. Are you saying you give movements in one direction a category but not movements in the other direction?
(I do understand that it may be of interest to have transaction feeds for the pots, I just don’t understand how lack of this causes an issue with spend tracking)
It causes issue that there is no linking transaction for the excluded category. So that’s out of balance in the data export. Just because Emma shows excluded as 0 doesn’t mean it truly is.
I have however got it to a place where I’ve manually categorised and drawn a line under transactions 2018-2024 and now this throws it back out of balance.
It’s basic accounting, there is no contra transactional entry.
If excluded continues to be out of sync and growing out of sync balance then it’s not really possible to put faith in the accuracy of the spend.
How do I know without continually going over it with a fine tooth comb to identify one sided transfers.
Hi @mrchrisbrogan, but it sounds this is more a limitation with Monzo that doesn’t return the transactions and the way you do accounting on the spreadsheet? I am not sure how we could resolve it since we can’t make the transaction appear? Do you have any suggestion?
If hopefully you can display the transactions within the spaces, I can fully use the budgeting tool as bills are paid from a Starling Space. You are the only app I have seen which can list the spaces themselves so hopefully you can get it!
