A lot’s been covered above already, but would like to be able to choose an image from my phone, or the contact details for a payee you’ve added - if they’re on Monzo you’ll see their avatar they set up on the app, but just a mixture of ‘G’, ‘G’, ‘M’, ‘L’ etc for non-Monzo payees is more distracting than useful especially when you have different payees with the same initial, and sometimes the initial isn’t what you’d refer to them as, e.g. if it’s taken from the surname not the first name.
I also don’t want to see people I’m never going to send money to just because they happen to be on Monzo.
Also, for Plus users who have other accounts set up, either in the Payment screen or within those account screens, let me send money from Monzo to that account easily. You have all the details when I added the account. You seem to have made it easy only in the other direction!
Just make it as efficient as possible to say “I want to [pay] [this person*] [this much] for [this purpose]” and defer everything else (new transfers, inviting friends, one-time payees etc) to lower down the UI hierarchy. (* = there’s a limited number of people I’ll do this more regularly for). Top of my head (acknowledging you still have to do the account check etc after this):