With most accounts (perhaps all non-Monzo accounts), Emma displays bank transfer references within a greyed text field at the bottom of the transaction details page (some kind of composite of payee name and transfer reference is shown). This seems to be a searched field when using Emma’s search tool.
However for Monzo accounts you only place the payee name in the grey text field and you place the transaction reference in a separate “details” field. The details field does not seem to be included as a searched field when using the search tool.
This also seems to be a problem when using transaction renaming function and smart rules with Monzo accounts. When using the renaming function on bank transfers from Monzo, the suggested “similar transactions” seems to suggest a much larger list of transactions than those with matching references (details field). I assume it just ends up looking for transactions with the same payee name, which isn’t helpful. Smart rules also doesn’t seem to use the details field so for Monzo accounts isn’t able to trigger based on transaction reference.
Can I suggest you do one of the following:
- Combine the details field with what you put in the grey text field for Monzo accounts
- Include the details field in searches
I actually prefer that with Monzo accounts the transaction reference is kept separate from payee name. It would be great for each bank transfer to have a separate payee name and reference fields on the transaction details page, but don’t know if you’d be able to do that with the info you get from all banks.