How do I turn Insights on or off?

You can use Insights if you have one or more of the following personal accounts and use the Triodos Mobile Banking App:

Triodos Current Account

Triodos Online Saver

Triodos Online Saver Plus

Triodos Online Cash ISA

Triodos Two Year Fixed Rate ISA

Triodos Three Year Fixed Rate ISA

Triodos 1 Year Ethical Savings Bond

Triodos 2 Year Ethical Savings Bond

Triodos 3 Year Ethical Savings Bond

Triodos 5 Year Ethical Savings Bond

Please bear in mind that as Insights uses transaction data to provide information, if you only have a fixed term savings account with us, or an account without many transactions, you won’t see as many notifications or updates from Insights.

Investment accounts aren’t included in Insights.

You will need to update to the latest version of the app to access Insights.

You can find Insights in the Triodos Mobile Banking App – tap the lightbulb icon in the top right of your account overview screen or look for a notification from Insights to get started.

If the lightbulb icon doesn’t appear in your app but you have a Personal Current Account or savings account, please check that you have updated to the latest version of the app.

Insights is a feature in the Triodos Mobile Banking App which helps you get a better overview of your spending by analysing your account details, account balances, account transactions, card information, and card transactions.

You can easily see your income and expenses, with your spending sorted into different categories (like Utilities, Groceries and Travel) and you can track how this changes over time. You’ll also get helpful updates if anything stands out – for example if a bill payment is higher than usual. Insights can help you to be more aware of your spending, find ways to save, and achieve your financial goals faster.

You can turn Insights on or off in the app.

To turn Insights on:
Tap the lightbulb icon in the app and follow the steps to get started.

To turn Insights off:
Go to ‘More’, then ‘Preferences & Privacy’
Tap Insights

You'll need to switch off ‘Overview of your finances’ and ‘Personal notifications’ if you want to switch off Insights completely.

Insights is a feature in the Triodos Mobile Banking App which helps you get a better overview of your spending by analysing your account details, account balances, account transactions, card information, and card transactions.

Insights sort your transactions into categories, based on names and descriptions such as ‘sports club’ or ‘restaurant’. You can review your spending in different categories, track how this changes over time, and see the full picture of your income and expenses. Insights also analyses your spending patterns to provide helpful updates and personalised insights into your spending – such as a higher bill than usual, an increase in spending or an unusual transaction.

With this information at your fingertips, it’s easier to identify patterns in your spending, and make changes if you want to – so you can be more aware of your spending, find ways to save and achieve your financial goals faster.

The information provided by Insights can help you to keep track of your budget, look ahead at your future balances, and help you avoid potential unarranged overdrafts.

We may also use your data to offer you relevant product opportunities, such as savings or investment options tailored to your financial situation – but please be aware that this is not financial advice. If you're unsure whether a product is right for you, please seek independent financial advice.

You can look back at your transactions for the last 6 months.

Yes, you can change or add new categories in Insights.

Insights automatically assigns transactions to different categories based on the information available about the merchant or retailer – for example, purchases at a supermarket will usually be added to the ‘Groceries’ category.

You can change the category for a transaction if your spending falls into a different category, or the category is incorrect. For example, if you wanted to log a purchase at the supermarket that wasn’t groceries - like clothing or home appliances, or if all transactions for a particular merchant are being assigned to an incorrect category.

You can also add your own category to something that works for you – you can decide if this should apply to all future transactions, or if it’s a one-off.

Here's how it works:

• Tap the lightbulb icon to go to your Insights Home

• Tap ‘View breakdown’ to see your transactions – this displays your Expenses by default (you can switch between Expenses, Income, or Cashflow to display both)

• Scroll down to ‘Relevant transactions’

• Tap the transaction with a category you want to change

• Click on the category under ‘Recategorisation’

• Choose a new category – to create your own, scroll to ‘Add personal category’ and type in the new category name.

• Select the new category – by default, this will be applied to all transactions from the same merchant or payee. Untick this option if you only want to change the category for the specific transaction you’re editing.
  

Good to know:

You can also add a label to a transaction so that you can recognise the payment later – e.g. ‘party decorations’. The label only belongs to that transaction; you can’t apply it to a group of transactions at once.

There are 2 types of Insights:

• Overview of your finances: you see an overview of your income, expenses and overall financial situation.

• Personal notifications: you receive a notification in the app, for example when your salary has been deposited or when your energy bill is higher than usual.

You can turn these on and off separately:

Go to More, then Preferences & Privacy, then Insights.

Tap the slider to turn the Insights on or off.

We use your data to create both types of Insights. If either Insight type is switched on, we will continue to process your data to create Insights. To turn off Insights completely, turn off both settings to withdraw your consent.

You can share your thoughts and feedback on Insights within the Triodos Mobile Banking App. Tap into the Insight you’d like to feedback on and scroll down to the section that asks, ‘How’s your experience so far?’. Tap the thumbs up or thumbs down icon and let us know your thoughts. We’d love to hear from you.