Monzo's version of Spotify Wrapped just dropped. And it's meaner this time.

Why do they torment us with who we really are?
By
Shannon Connellan
 on 
Monzo app's year recap appears on a smartphone with a pink patterned background.
You can choose whether they're nice or savage about it. Credit: Monzo / Mashable edit

In what must be the least anticipated recap of the year, British online bank Monzo has dropped its answer to Spotify Wrapped for another brutal round.

Debuted last year to many, many memes, Monzo's 2024 wrap-up released once again to low moans across the UK. No, I don't need to know how much I spent on [REDACTED], I already know. But this year, the team listened — you can customise what the banking app tells you about your year of spending, whether "nice" or "savage."

"The nation’s favourite spending summary is back," the website reads. "And this time, you choose how we recap your year. We can be nice or savage. Your call."

Mashable Light Speed
Want more out-of-this world tech, space and science stories?
Sign up for Mashable's weekly Light Speed newsletter.
By clicking Sign Me Up, you confirm you are 16+ and agree to our Terms of Use and Privacy Policy.
Thanks for signing up!

If you pick "nice," the app "goes easy on you" when telling you the top places you've shopped, where you've eaten out, and where you spent on entertainment. You'll also see who you split bills most with, how much you saved, and the countries you spent money in if you used your card there.

If you pick "savage," it shows you the same things — but it's meaner about it. It's exactly the same data, but the library is open.

The app literally mocked me for my choices. "Okay fancy pants," it spat at me for my M&S snack purchases. "Newsflash: your fridge is closer," it barked showing my preferences for eating outside of my house. "Money can't buy friendship. But you sure did try," it says, showing me the friends I split bills with.

You've got to hand it to Monzo, they took those memes into consideration.

Topics Money

A black and white image of a person with a long braid and thick framed glasses.
Shannon Connellan

Shannon Connellan is Mashable's UK Editor based in London, formerly Mashable's Australia Editor, but emotionally, she lives in the Creel House. A Tomatometer-approved critic, Shannon writes about everything (but not anything) across entertainment, tech, social good, science, and culture. Especially Australian horror.


Recommended For You
Try two months of Spotify Premium Individual for $0
Spotify logo against a light green background.


Tesla profits dropped by 70 percent last quarter
Tesla logo

NASA dropped a new report. It's a wake-up call.
Painters refurbishing the NASA logo the space agency's Vehicle Assembly Building at the Kennedy Space Center

CES 2025: Here's how to get your hands on the new Lenovo Legion Go S
the new lenovo legion go s at CES

Trending on Mashable
NYT Connections hints today: Clues, answers for April 9, 2025
Connections game on a smartphone

Wordle today: Answer, hints for April 9, 2025
Wordle game on a smartphone

NYT Strands hints, answers for April 9
A game being played on a smartphone.

NYT Connections hints today: Clues, answers for April 8, 2025
Connections game on a smartphone

Why are read receipts so triggering?
Illustration of a smartphone on purple background with text bubbles showing a message conversation
The biggest stories of the day delivered to your inbox.
These newsletters may contain advertising, deals, or affiliate links. By clicking Subscribe, you confirm you are 16+ and agree to our Terms of Use and Privacy Policy.
Thanks for signing up. See you at your inbox!