Smart Rules [Testers needed + Feedback]

Yeah, sync hanging has basically made the app unusable right now

Oooo, could I test also please?
https://emma.to/suttonlaura

Please add me to test:

https:// emma.to/stapletonben

Just a few things…

First, I can add accounts from the Assets section of Accurate Net Worth to a smart rule, but then I can’t actually view the smart transactions. Tapping the account under Accurate Net Worth just options the account options.

Second, if I hide a manual account that is part of a smart rule, will the rule still work? I want to hide a savings account that has my backstop funds in it, but still want it to track the regular amounts that I add.

Please enable smart rules on my account Emma - your Best Financial Friend

Can you add me to this please

Check out this free app —— it Pays to Save Money :moneybag: https://emma.to/adrianferrante

I would not trust smart rules in its current form. It is a highly unreliable feature. I am repaying money to a friend and have that debt set up as an offline loan account. It picked two transactions correctly (dec,january) but did not pick up the transaction from February while there is nothing different between those transactions. Same reference (more than double-checked that), date, amount and account used for repayment (it is scheduled payment from my bank account). So unless you want to have a mess in the money management of your offline bank accounts when Emma deicide to pick some payments only from time to time, and you could miss the fact it has happed and ending to paying more when you could have something already fully paid, do all changes manually. As if my friend would not let me that I owe him less then I thought, I could easily pay him more… and if he would not be my friend and I would be in a different situation, Emma could cause me a financial loss through that nonfunctional “Pro” feature.

I am, in all honesty, getting more and more disapointed where most updates are focused on third party offers instead of bug fixes of features… especially pro features. And if I would not pay for full year pro version, I would be already moving to another app. I hope that something will change before my subscription ends in autumn.

I do understand you have to offer third party money saving services to make revenue from them as well. But first of all, you should focus on everything pro first as those are direct money people are paying to you for those pro features. I am not paying you to offer me cheaper electricity. I am paying you just for those extra features which I, unfortunately, have no full use as your priorities are free functions and money saving offers to everybody.

Obviously, I would only blame myself to give an undeserved trust to an unreliable feature in the money managing app.
They should have some time dedicated to deal with paid functions of the app and those unpaid are where the focus is on so I have just wasted my money for something they do not care as much as the free offers. It is more like third party advertisement up than anything else.

Not to mention that even pro priority live support often not aswering for days and when they answer, I got a pop-up notification comming on my phone and after opening the app, the message is nowhere to be found nor any of my messages sent prior to that… So where esle should I express my unhappines than here? I would likely to discuss it in the pro live support first… but as it is a pro feature, it obviously does not work the way it should.

For the record. I have supported it not because I thought it is perfect, but because I have supported the idea and the energy I saw behind its development. And it is just making me sad to see where all the energy goes now. I do not mind having those offers, but I would like to have an option to turn them off (as a pro feature). I am not going to sign new contract when I have some fresh running contract for year or two.
It is also a money management app and what you say is unsupported bank account is actually something quiet common… not bank account but people owning money to friends etc (I do not know if you call your friends “unsuported bank accounts” I do not), or having some cash, saving together with others for something etc… there is still plenty of cash which is not online as well…
And I would not even complain here if this would be only problem with the app.
They shoudl stop thinking about any new features now and focus to fix all the current ones and all other bugs the app have, even minor as the problems keeps adding up.

It hasn’t been fully launched yet. It’s in beta testing. Glitches are exactly what you should expect if you choose to engage in beta testing.

By the way, which bank are you sending money from? I know there are issues with Monzo.

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I have got carried away as more problems, bugs etc are emerging and not being fixed… And as I said, it is because of lack of response from pro live support and when there is some, app is bugged not to show the answer and actually not to show any my sent messages and all chat as well.
And yes, this particular one is in beta. Because it is just a pro feature so it is no priority and the focus is on other functions. Or you want to tell me that since they started with test of this function, there was not any new feature and other updates to the app?

While the other features also often malfunctioning is another story… But at least, they can offer me a better phone contract so I can cancel my current one, pay off few hundreds pounds and get their special offer so I can save money thanks to them…

And as I said… long term question for me… but what should be my reason to pay new subscription in the November? What is going to change for better? Maybe new morgage offer which I wont need in the next 10 years… ? Not sure I want to pay for offers I do not need while not having stuff I use or would like to use actually fixed.

I’m not sure I see why releasing other things is a negative. I expect they work on most things in parallel rather than serially so not really a surprise if other things have been released since the smart rules beta was launched.

Yes… and more things are not working properly since then as well. But new features are more important than ensuring all the current once works well, as the non-functioning pro live support. When the app randomly decide not to count some upcoming payments and keep showing them as upcoming weeks after payments happened (when the transaction is entirely the same and worked for months before), random mess with excluded and incomes (those which have worked before and suddenly do not work)… so I have to go over every single transaction to make sure that everything is correct which is tedious and time consuming and should I return to the excel, I could probably save a lot of time.

Hey @Krygel,

can you message live chat? We can check why the payments weren’t picked. There might be multiple reasons behind this.

To be totally honest with you, our full focus is on Pro users.

This doesn’t mean we won’t keep the app free, but that’s the reason why we are building Smart Rules (Beta), Rolling Budgets, Savings Targets and Turbo Updates - all in Pro.

On the roadmap, we also have Payments, Credit Reports, custom notification rules, upcoming bills and a bunch of other nice features.

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Smart Rules, in particular, is challenging.

It might be that a) the bank decides to change reference b) the payment was made from another account and the user doesn’t remember c) accounts have been added/removed 3-4 times d) the rule doesn’t match and so on and forth.

There are a bazillion of cases where this feature can go wrong, so any help / feedback is appreciated.

In terms of us, we are also changing the screen to add a rule, so you can exactly see the number of past transactions detected.

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Given this, perhaps it would be useful if we could link a transaction to a rule or manual account after the rule has failed to pick it up. Perhaps the app could learn from this similar to how email spam filters learn.

Some similar form of user input may be helpful for when committed spending transactions fail to get picked up by your filter.

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Yes,

this is nice. :slight_smile:

I tried to use a smart rule for the first time a few days ago and it failed. Live chat told me to just wait till next month because maybe there just wasn’t enough time between creating the rule and making the transfer.

Having seen this comment I’ve now gone and looked and the transfer from my Starling account just shows the payee (i.e. my name as it was a transfer to an offline savings account) in the block text right at the bottom of the transaction details page. It doesn’t seem that the transaction reference I put in in Starling comes through at all? Does smart rules not work for transfers to/from Starling?

It’s a bit strange to use this text for rules - the Starling payment reference would make more sense

This info used to be displayed, but seems to have disappeared with the new layout. Bug or intentional? Either way, very confusing!

It contains the reference text for transfers from most banks. Monzo & Starling seem to be exceptions

Same issue with Monzo. The details field contains the reference but seems to have been removed from Emma transaction page. Is a problem.