My suggestion is simple a way to block a payee from sending you money.
Support staff can block a payee from sending you money if you contact them however why not make it so anyone can do it themselves through the app. I have known people to be in a situation where they have blocked somebody on everything and that person will transfer them £0.01, using the notes as a form to contact them.
Let’s make it simple, you can delete a payee why can’t you block them? If the support staff can do it surely its easy to implement. It could simply sit with the delete payee button.
Monzo can’t terminate someones account if they bank with Lloyds and are sending messages through transfers, so they would have to block them from sending transfers to your account.
May be a silly question but what happens to these funds that are transferred as part a payment when a block is enforced, do they just bounce back to the sender?
I can see how to block Monzo contacts if they appear in my Recent or Favourites lists, but if I click on a regular Monzo contact in the overall list, it just brings up Pay and Request.