Transfering money into Monzo via the open banking “easy transfer” VRP set up is great. Why not add the account the user has set up as a payee straight away? I imagine many people that value from the easy transfer feature are using Monzo as a secondary account, so making it easy to transfer money back to their “main” account would be sensible. You have the details once the east transfer is set up, just add it to payee accounts. Zopa do a similar thing to this where easy transfer accounts work in both directions