Teun Schoemaker We actually fixed your point specifically in the last bunq Update 22. You can now categorise incoming payments/requests, and they will count against your spend in that category. When you create a Split from a €10 payment for food with a friend, the requests will automatically get "Food" category too, so when you view your Insights category for Food, you'll see you only spend net €5
We want to get Insights working amazingly, so other suggestions on what would make them even more useful to you are highly appreciated. We've got a few more improvements rolling out in the next week.