Whatās rocket surgery? 
My hope is that over time it will be simplified and work like the Pockets on Starling. I can setup as many Pockets as I like and set direct debits and standing orders to come from set pockets. Itās great!
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Same here who thought extra admin for their customers was a good idea ???
Give us the option to cancel these pots please.
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I like this pots feature. Please do not change it.
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Itās energy, and as I explained several times, itās also money. If I wanted to spend money, I could move to e.g. Interactive Investor.
@Scrooge_McCodf Iām not sure if youāre asking me to google that for you. Itās not exactly hard to google something. You could even say that itāsā¦ not rocket surgery.
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Today it occurred to me that this causes yet another problem. Now when I click on to open my cash amount (in one of theā¦ grrā¦ two pots) in the app, the history at the bottom is āPot transfer historyā.
We wouldnāt need Pot transfer history at all, if you didnāt force pots on us in the first place. Instead you could (and I believe this is what was shown before this anti-feature) show actual spending, or actual investments.
Now? How can I even keep track of where money went?
You can do hamburger menu, then find āHistoryā in the long menu there? Ok, there it is. But of course there the pots are all mixed up.
Trading212 has failed to think holistically about this. What does it mean when you force split everyoneās cash balance into two accounts? It means that you need to do double entry accounting on two accounts.
But this is not what Trading212 did. Instead they only implemented the split partially. So itās one big mess. āCard debit, -Ā£6.40ā. Ok, I infer that this came from the spending pot. āXXXX bought shares, -Ā£5000ā. Ok, that must have been the main pot. āInterest on cash. +Ā£3.70ā. Uhā¦ I dunno. Where does interest land? Where did it come from? My guess would be the main pot for both questions?
Oh, but whatās this, another āInterest on cash +Ā£2.24ā? And itās also from today?
Itās a mess.
This is an asinine feature, implemented poorly. But the more the implementation improves, the more obvious itāll be that it should not be done in the first place.
Make it optional, please.
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Note that your question is unrelated to the āSpending potā feature weāre talking about in this thread.
But to answer your question, the spend history is under the hamburger menu, then click āhistoryā.
I believe it used to be easier to find, but this spending pot āfeatureā broke that.
The last couple of times I purchased stock in my Invest account it appears that the cash was taken directly from the main Pot and not from the Spending pot. Why would that happen? I had transferred the cash into the Spending pot prior to the purchase but it was still there and the cash had been taken from the main Pot.
Isnāt that the intention?
Main pot for savings and investments. Spending pot for card transactions.
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OK thanks for that. I thought they meant spending on shares etc from the Spending pot. So you mean the spending pot is for external spending such as online purchases from stores etc? My 212 card is virtual not a physical card.
Spending pot is for the spendings using the card (physical or virtual), either in shops or internet. Consider it as a (prepaid) credit card for your expenses.
Thanks for that clarification. Somewhere along the line I had misunderstood the function of each pot. Itās clear now. Thanks for your help.
Make it OPTIONAL! Please.
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Is it possible to set up just the one Pocket on Starling?
Because that solves all problems. Everyone complaining about this asinine so-called āfeatureā would be 100% satisfied if we could just set the number of pots to 1.
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In my case, I have 50K uninvested and earning interests.
I get a daily interest payout that puts the interest on the āMain Potā.
This means that I wonāt get additional interest (because itās already maxed out at 50K).
We should have the option to choose to have these interests paid to āSpending Potā instead on āMain Potā.
This way, we could automatically use these daily funds to fund an existing pie (with automatic funding set).
Just an ideaā¦
Yeah so you have one main account in starling, and you can set up segregated pockets off from that.
So I have a pocket for say annual bills like insurance - I build that up monthly to average out the cost.
I have a pocket for electric and gas - again I average the cost for the year and pay monthly so the balance fluctuates.
I then have holiday / birthday fund / day to day spending pots.
Really helps with budgeting!
So how it could work with 212 is you have your main pot linked to your invest account, and segregated pots(if you wanted) and link your card or if in future direct debits, to them. That to me would be a really neat solution!
That sounds like a great feature, that is not for me.
Our problem isnāt with the pot split āfeatureā, which enables some other peopleās use cases. Itās that this feature is forced on us, destroying our workflows.
Another feature I donāt use with my regular bank is overdraft. I donāt mind that my bank provides overdraft. But they donāt force me to overdraw my account.
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Whatās this about 50k maximum? Did I miss something?
Agree 100%.
If people like it fine but for those of us who prefer the old style let us keep it.
Also add something useful like being able to set an auto deposit from invest to ISA.
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Can I get an option to remove the spending pot in the next update? Itās an annoying extra step. Iām used to move cash from one bank to Trading212, and have the money there ready to spend. These days it happened to me that Iāve moved money and I was thinking āwait a minute, the balance hasnāt increased. Did the transfer fail?ā. No, the transfer didnāt fail, it went to another annoying pot! Also, the interests on cash go to the another annoying pot.
Itās fine that some people like having different pots, but donāt force it on me because youāre making the app work slower for me.
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