Create separate payees with identical bank accounts but different references

Idea suggestion

Allow users to create separate payees with identical bank details but different references

In my example, I have 2 MBNA credit cards. I make payments manually to the cards. Obviously the payment uses the card number as the reference.

If I create 2 payees, same bank account, different reference, at the moment, it will not create the 2 separate payees. It uses the name of the first one I created and you can then select which reference to use.

Multiple times I have paid the wrong card (yes my fault for not checking the reference), but this would be so handy.

On a closing note, I love Monzo, the app, and everything about it. Brilliant work to everyone !