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Insights to help you keep track of your spending

Your insights

Insights in your first direct App is home to some useful money management tools. It can help you keep track of your money by giving you a better understanding of where it goes each month - how much you're spending, on what, and who with.

Go to 'Insights' to see all your spending insights

Select 'Insights' to get started and view your spending by general category or merchant. (On an iPhone, Insights is on the tab bar. On an Android phone, it's in the menu.

To see personal insights, make sure your Insights Preference is turned on.

Go to the menu. This is represented by three horizontal lines. On iPhone it's in the bottom right and on Android it's in the top left of the screen.
Select 'Insights Preference' and go to ‘Allow insights’.
Switch on spending insights.

Spending by category or merchant

We tell you about your spending and automatically categorise it - for example, groceries, bills, transport. You can change the category of a transaction if you'd like to.

Our spending feature bundles your transactions by category and by merchant. This gives you a better understanding of your spending habits.

Group your transactions using your own labels

You can also group your transactions by adding ‘tags’ - for example, wedding, car, London trip - to any posted transaction in your 1st Account(s).

By adding those tags to other transactions you can see all the transactions for each tag grouped together in 'Insights'.

In Insights you’ll be able to see:

how many tags you've set up
how many transactions in each tag
the total amount of transactions for that tag

Select any tag to see a breakdown of transactions for each month.

How to create your own tags

Log in to your App as normal.
Go to your 1st Account and select the transaction you want to tag. (It must have debited from or credited to your account and not be pending).
More details about the transaction will show. Select the 'Tags' option and follow the on-screen instructions.

If there's no ‘Tags’ option in the transaction details view, you need to opt in to spending insights. To do this:

Go to the menu. This is represented by three horizontal lines. On iPhone it's in the bottom right and on Android it's in the top left of the screen.
Select 'Insights preference' and go to ‘Allow insights’.
Switch on spending insights for the 1^st Accounts that you want insights for.

Not got the App yet?

Download our App on compatible devices to open an account, or if you’re already a customer – opt in to Insights and start using our money management tools.

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Insights: frequently asked questions

Will I be able to use Insights on Online Banking?

What data is shared with a third party on Insights?

We don’t share any personal data about you with the third party. Transaction data is shared which, includes the merchant and location details. The information that’s shared is protected using industry standard security. Find out more by going to our Privacy Notice in the App. Here’s how:

Go to the menu.
Select 'Insights preference'
Select ‘Privacy Notice’.

Spending feature: frequently asked questions

Can I change a transaction's spending category?

Can I remove a transaction's spending category?

No. When you have spending insights turned on, all transactions will be given a category, which you can’t remove.

You can change the category, there are 12 to choose from.

You can turn spending insights off and not see any category information for any transaction.

Will a joint account party see my spending categories?

You and any joint account party will initially have the same category automatically assigned to a transaction. You can change the category so you can each manage your money as you please. Only you can see the new category. For example, if a joint account transaction was initially 'Eating Out' and you changed it to 'Expenses' it would show as 'Expenses' for you and 'Eating Out' for the joint account party.

How far back can I review transactions on Spending Insights?

Tagging: frequently asked questions

Can I remove a tag from a transaction?

How many tags can I have?

Will a joint account party see my tags?

Can I choose which accounts to have tags on?

Yes, if you have more than one eligible 1st Account. You can see personalised insights into your spending habits from the 1st Account(s) you choose.
You can change your account(s) using the shortcut menu in Insights. This is represented by three dots.