Monzo Pots / Starling Goals (Transaction feed)

Feedback & Ideas
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Some thoughts:

  1. Excluded (as a category) should net to 0 - if it doesn’t a way to see the true value, perhaps a long press or something to show the net position.
  2. Balances in Emma - without transactional backup - bizarre - could create a closed manual account and add the transactions there - bit its an annoying work around.
  3. Categorised transactions but the ability to set them to excluded from analytics - this would mean you can keep literal excluded dr/cr/net 0 in excluded and other exclusions that do not net to zero in a category of there own. Use case for this being credit card “debt” as opposed to credit card spending and clearing at statement. The latter makes sense to go in excluded. The former does not - I’d want to categorise paying off the credit card as bills and then this throws out the other side that’s excluded. For this I’ve tried spaces again to put the credit card accounts there - ones that are essentially like paying off loans rather than my amex that get cleared monthly - but this then thows off the net worth. I guess spaces with a consolidated space would overcome this.
  4. The ability to link and unlink - it should force the user to net 0.

There is little reliance that can be put on the app analytics - there isn’t enough controls to put comfort that it’s correct. Each time you export and analyse it there there’s things lumped in excluded that are not… etc

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By the way, I’ve asked the team to review Monzo pots; we have made a couple of small changes this week.

The first one is that we are not sending anymore notifications for withdrawals from pots. The second is we are going to enrich the transactions name with the name of the Pot. As of today, they all read as “Monzo Pot”.

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