Understanding Spending Feature in Mobile App

What is Spending in the mobile app?

The Spending feature in your mobile app has been designed to help you understand where your money goes each month.

The feature lets you see your data in two ways: a combined view and an account specific spending.

The account specific spending can be found in the transaction section of your Current or Credit Card accounts and zooms in on one account at a time, giving you detailed, specific information. This helps you get both the big picture and the important details when you need them.

The combined view is within the Insights tab of the app and shows all transactions across eligible accounts, making it easy to spot overall patterns and trends.

Both the combined view and account specific spending give you:

Categories - An automatic breakdown of your transactions into different categories. You can re-categorise your transactions at any time to further personalise your spending feature.

Different functionalities are accessible through the combined view and account specific spending. The account specific spending provides:

A monthly comparative insight, which allows you to compare how much you have spent at that particular point in the month compared to that point last month.
Average spending rates are at daily, weekly, and monthly levels.

The combined view includes the following tabs:

Highlights - A selection of useful Highlights of your day-to-day spending
Budgets - An option to set and manage budgets against the above categories.

Which of my bank accounts will I see in Spending?

You will be able to see all of your personal Current accounts in the combined Spending view, which can be found in the Insights tab of the app, as well as any joint accounts, savings accounts and credit cards.

However, the focused Spending view, which can be found in the transaction section of the app is only available for Current accounts and Credit Card accounts.

Transactions you undertake on business accounts can be seen within the combined Spending if you select to view the Business version of the Insights tab. Transactions from accounts with other banks are not currently included.

We are working to add other types of accounts and transactions in the future.

If you have multiple accounts, you can select which of these you want to see in the combined Spending view by selecting or de-selecting them in the Spending settings section. By including all of the accounts you use, this will give you the fullest view of your spending overall.

How does Spending work with joint accounts?

Any transactions made on a joint account, regardless of who is spending, will be included in your Spending view. If you are an additional card holder on a credit card account, only the main account holder will see transactions in Spending. Transactions made by your joint party on their own personal accounts will not be included.

Your joint party will not have access to any of your personalisation, re-categorisation, budget setting or insights.

Can anyone else view the information held within my Spending feature in my app?

The information in Spending is only available to you. This means no one else, including joint parties or members of bank staff, will have sight of your Spending insights, the categorisation of your transactions, which accounts you have included in your view, your chosen start of month date, or any budgets you may have set, and your performance against them.

How do budgets work?

You can set a budget against any of the listed categories. All budgets are set on a rolling monthly period, but you can amend the date this starts in the settings section of the Spending tab within the mobile app.

Feel free to check your progress against budgets at any point throughout the month, using your Highlights or Budgets tabs. When your budgeting month ends, your summary for that month will be available at the bottom of the Budgets tab. A summary of any months prior to this will not be available to view.

All budgets you set are for your personal use and monitoring only. They will not affect your ability to obtain credit, nor will they stop your debit card from working if you go over budget.

What to expect when using Spending for the first time?

When accessing Spending for the first time, it may take a while to load your data. Once loaded, the settings for your first time accessing the feature are set as default allowing you to explore the feature straight away.

The default position is all accounts being selected within the combined Spending view and the last day of the month will be the set date for when your spending period will start to track. You are able to change these settings at any time to better suit your needs by clicking the settings cog in the top right corner then choosing either 'Choose accounts' or 'Set a date'.

Why have my settings changed?

We have completed work to help improve the accuracy of your Spending feature. As a result, you may notice that your settings have been reset to the default position.

The default position is all accounts being selected and the last day of the month will be the set date for when your spending will start to track.

You can change these settings at any time to suit your needs by clicking the settings cog in the top right corner then choosing either 'Choose accounts' or 'Set a date'.

You can re-categorise any posted transaction from the last 12 month rolling period and create, amend and delete budgets at any point in time.

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What is Spending in the mobile app?

What is Spending in the mobile app?

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