Hi bunq,
Right off the bat I want to say I love bunq Insights. They do help provide us with a better understanding of our monthly expenses. But there are multiple ways to make this even more featureful - more insightful!
Firstly, apologies if I am mentioning something which has already been discussed here, I might have missed it. Please send me the main Together post I shall hi5 that one! Also, do check out this suggestion by Luca https://together.bunq.com/d/19035-add-multiple-custom-categories-to-payment , it is on the same lines!
I have shifted my main account from KBC (Belgium) to bunq. Although bunq has far more features overall compared to KBC, they did actually have a good insight of your expenses. In their webapp, you could actually see your income as well as your expenses, both in a histogram and a pie chart. The histogram in addition to the pie chart (like the one bunq uses) was actually very useful. You could see your monthly total expenses per month, for the recent 3/6/9/12 months and compare them. If you clicked on one category, say Restaurants, then you could compare Restaurants expenses of all the months in a nice represented manner. By this way, you could see if in any month you had more than usual, and compare them. Trust me, you do save money by viewing your spending and comparing them! Right now in bunq I get an overview of my monthly expenses and how it is divided, that is all.
Some other additional things KBC did was show your income vs outcome, and track your cash flow. You could see how much is your average cash flow per month and how it progresses.
bunq doesn't allow us to record incomes of any kind on the Insights. Not even from my friends when you share a meal or drinks via the split feature in bunq. As a part of that dinner was not my monthly expense and I got paid back for the remaining part, it would be nice if we could somehow manually adjust that in insights, or just show income as well. Or automate the ones using bunq's split.
On the point of manually adjusting insights, I would also like to have the ability to remove some transactions from the insights. Like the dinner example with friends, a small amount is still fine in the insights, but let's say you are planning a trip with friends/family who will pay you back and you just booked an airbnb/hostel and flight tickets, those will show up and really screw up that month's insights.
Also, like Luca mentioned in his post, adding multiple categories, your own custom ones and also sub-categories inside categories will also be nice.
Cheers,
Sayon
