Iām Vani, a Product Manager with the growth team at Monzo. I have been with Monzo for about 6 months now and itās been great. Weāre working on improving the Shared Tabs feature, and weād love to get your feedback on it.
Weāre looking for thoughts on:
what you love and find most useful about shared tabs
what you donāt like or find hard to use and understand
what you think is missing from shared tabs that youād like to be able to do
are you using any alternative solutions to shared tabs, if so, why
A quick search shows a few issues with Shared Tabs. Weāve made a few polish improvements to it already and weāre currently working on adding the functionality of using shared tabs with non-monzo users. Weād like to get your input to further elevate the feature.
No comment is too big or small. Itās all helpful to us, and weāll do all we can to improve Shared tabs for everyone.
Let me know if youāve got any questions and Iāll try my best to answer them
Iāve collated some of my own ideal things, and some things that people have mentioned previously here:
Add transactions from Connected Accounts to Shared Tabs
Ability to partially pay off a shared tab (ie, I owe Ā£1,000, but I want to pay them Ā£200 on payday towards the shared tab, pay that & still owe Ā£800).
Shared Tabs & Foreign Transactions, I think I remember that these get added to the tab at the existing rate, and not the settled amount & doesnāt update?
Change the split of items individually when bulk adding items to a shared tab
Close a tab with pending amounts there - they may have paid me back in cash, or bought me something else etc. I canāt now close that tab and have to do gymnastics of Monzo allocations to counter out that outstanding amount etc.
Images for shared tabs would be kinda fun
Show on the transaction feed whether somethingās in a shared tab or not? So that I can easily identify things that need adding to the feed etc
When adding things, not everyone on the tab will have to pay for it - ie, I went on holiday & everyone ate, but someone went off & did their own thing. I have to then take that person out the split, but then their amount gets added to mine, and then I have to work out what it is divided by n-1 instead. Just ā¦ yāknow ā¦ let me select who itās split with!
Show transactions from all accounts including connected ones, with the ability to add them to the tab
ā On that, transactions from connected accounts should be able to be added from the transaction screen itself (rather than having to go to the shared tab screen)
Partial payments also for me
Transactions should show straight away as available - currently if I make a transaction right now, it wonāt show as available to be added to the tab until later, I think itās a few hours to a day, but when a shared transaction happens I want to be able to add it to a tab there and then so as not to forget it later (so I end up adding it manually)
Perhaps we need a poll to gauge the most popular requestsā¦
Having a shared tab when Iām on holiday is great. Me and my partner take turn paying for things to help balance it out, and then we pay the difference once we are home. Keeps things fair (as we do everything 50/50).
When adding mulitple transactions, you either need to manually work out the split if some transactions are split differently (not even), and then add in one go, or add each transaction seperately.
Even if I select multiple items, I should be asked the split for each one. You could keep the existing combined split functionlaity as default, but add a button that then goes through each transaction seperately if needed.
Adding on to this, being able to select a percentage split, instead of cash value, would help. Has my dad paid for both his and myumās sahre of the meal, but Iāve paid mine and my partner has paid his. I should be able to say that my dad owes 50%, and we owe 25% each, and Monzo works out the value of that. (Bonus for adding this to āsplit billā too.)
We canāt add connected account or Joint account transactions. Instead of allowing us to add transactions from these directly, maybe allowing us to add these accounts as a āpersonā to the tab, so that incoming āpay tabā payments show seperately in the feed. This way, I know that Iām owed Ā£4.50 from my personal account transactions, Ā£2.10 from my joint account (paid directly to Joint), and Ā£36.41 for the transactions on my credit card.
I also agree that we need partial payments. However that could be messy. What if a shared tab has 3 people in it. You owe Person A Ā£100, and Person B Ā£20, and you partially pay Ā£30. How is that split? Maybe a āshared tab potā where all payments are sent to, and only once everything is paid can it be withdrawn and it pays what everyone is owed. This also means only 1 ātab paidā transaction shows in the list instead of mulitple incoming payments.
Adding incoming payments to the shared tab would also be nice. Had a partial refund? Someone has paid part of their share of the tab to your NatWest account? Want to be nice and share that cashback? These can be added to the tab.
The ability to add non-monzo users to a shared tab, and generate a monzo.me link for them from the shared tab screen would be so useful! Something similar to what we already have in the āsplit the billā functionality would be so useful (even if they have to wait until the tab is marked as settled to pay their share).
I understand that you guys obviously want more people to move over to monzo to use these great features, but Iād see this as an opportunity to show off what you have to offer!
Add transactions from connected accounts such as non Monzo credit cards, currently have to do these manually. Itās a pain having to wait for them to go from pending too before categorising or adding notes.
Allow part payments, ie Ā£50 now for that meal and Iāll pay you the rest when I get paid, etc
When allocating the spilt, if I want to pay Ā£10 lock that in and let me split the rest, etc
Ability to click into a transaction and see the split against each person
A way to remove yourself from a transaction. I have just found out you can edit at the top and exclude everyone except yourself from a split. Sometimes you pay for something where you are not party to it.
The ability to exclude people should be more obvious! I only found it while investigating thisā¦
I am sure there are a lot more buts bits but that is it for now!
Great itās being worked on. Iād like to see the joint account behave like a unique person in the tab, rather than having to use each personal account to settle the tab.
Within the tab, the ability to click on the item and expand. Currently it only shows a list.
Please add being able to close a tab, for any reason you wish.
Iām part of a tab where everyone has settled and is happy, but there is an outstanding balance.
The person that is technically owed money doesnāt want this money, and they donāt know how to delete / readd a transaction to make everyoneās balances be exactly at Ā£0.
This tab has been there so long, that two of the people in this tab are now ex partners. That cannot feel great for them. But they literally cannot leave the tab, and must be reminded of their ex partner and this trip in the Monzo app.
Realistically, the tab owner should get a prompt āAre you SURE you want to close this tab, there is an outstanding balance, etc etcā rather than āyou cannot close the tabā.
Would love this! A group of us went in holiday in 2022 and settled everything up by the end of the trip. Yet the shared tab insists there is an outstanding balance on it - but when you go to pay the balance, it never lets us and crashes out. Annoying having it sat there.
