Monzo, the UK-based online banking platform, has launched its own version of Spotify Wrapped, which took the internet by storm last year, but not for the reasons one might expect. The bank’s annual spending summary, which was met with a sea of memes and groans across the UK last year, is back for another round, but this time it’s a bit more user-friendly.

The Monzo 2024 wrap-up, despite its less-than-enthusiastic reception, has been fine-tuned to offer users more control over their spending summary. Customers now have the option to tailor what information the banking app shares about their annual expenditure, be it “nice” or “savage,” according to their preference.

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

Choosing the “nice” option provides a gentler review of your spending habits, detailing the top places you’ve shopped, dined out, and spent on entertainment. It also displays who you’ve split bills with the most, how much you’ve saved, and where you’ve used your card abroad.

Opting for the “savage” version, however, gives you the same information but in a more brutally honest fashion. This mode pokes fun at your spending, with tongue-in-cheek comments on your purchasing choices.

If you ask Monzo, they’ve taken the feedback from last year and used it to make their annual wrap-up more engaging, even if it does risk stepping on a few toes.

The article should also mention the related article from Mashable Light Speed, “Porn viewers wanted ‘demure’ tradwife content this year, Pornhub’s Year in Review shows.”

While Monzo’s annual wrap-up might not be geared towards those seeking investment advice, it offers a unique and entertaining way to review your annual spending habits, and could certainly provoke thought about where one chooses to spend their money.