Strap in, for I have thoughts!
- As others have said, shared tabs really need to benefit from partial payment.
- Also on shared tabs, it would be useful to have a bit more info about what the bill split will be, and why, before it happens. The first time I used it, it just happened and we were all confused about how it worked and how it was all calculated. A quick āare you sureā / summary screen showing the calculations and how they work, before settling up would be fab. I talked a bit about that here.
- Similarly, it would be good to be able to send that summary by email (or Whatsapp or whatever) so everyone knows why they owe what they owe.
- The UI on the Payments/Shared tabs looks very underbaked and a very minimal MVP. Thereās nothing to explain what it is or how it works. It painfully bare bones.
- Payments for shared tabs / splits need to work better with categories. For example, if I pay Ā£10 on Eating Out, and split the bill equally, I want the original payment to be amended to be Ā£5 on the Eating Out Category, then Ā£5 on a new special Split Bill category, which is excluded like the Transfers one. This is gonna be more complicated for Tabs: if I pay Ā£10 under Eating Out, mate Ā£10 under Personal Care and partner Ā£10 under Transport, I want to find a way to have Ā£3.33 of each of those reflected against the respective categories. A conundrum for you
- Developing that, Iād also quite like the notes field of the payments we receive/send to settle tabs to reference the tab and its contents.
- Again, similarly to Flex, splits and shared tabs really need to be incorporated into the transaction screen. When you tap into it, you should be able to see whether the transaction is part of a tab, whether itās been split, whether folk have ponied up the money, and any messages / emoji responses etc. All from that screen, please.
- Like others have said, we need splits and tabs to come to connected accounts!
- I want to use shared tabs to consolidate spending for me, myself and I. That means I want to be able to create a tab that doesnāt have anyone else in, but I can use to record spend against a project (e.g. a kitchen replacement or a holiday). I also want to add manual transactions to that, so I can keep a proper log of everything Iāve spentā¦ (I talked a bit about that here)
- While the UI is so so basic right now, I think thereās capacity to do something that sparks joy and is all in one place. I want to go somewhere to see all past and present splits and tabs, to monitor repayment and to tap buttons to chase them. And, for that matter, why are they separate? Are splits just immediately settled tabs? Can we bring them closer together / convert a split to a tab?
- When we create a split / add transactions to a tab, I think weāre implicitly giving permission for others to see those. Can we find somewhere to be able to see the details of each transaction in a tab, including notes etc, even if we didnāt make the purchase?
- Riffing a bit off that, Iām not overkeen on the card carousel metaphor, but what would have to be true to have a shared tab as a ācardā listing all the transactions from everyone as part of it?
- And, developing that, what if you could pay credit to a tab, so rather than being in debit, it holds credit which is then used? More a kitty than a tabā¦ You could be clear that the creator of the tab is the legal owner, but then let every member hook a virtual card off it (if theyāre a Plus member) if the owner has set that as an optionā¦
- We have a tea and milk club at work. Can we create new functionality to let folk āsubscribeā to a kitty, setting up regular payments and giving every member visibility of whatās been purchased? You could even do clever things like work out what the moving average spend per week/month is based on number of members and cost of goods purchased and change the subscription value. Same logic might also work for football teams etc
- If you have a split waiting to be paid, and receive that amount from a payee with a similar name, could you offer an option to automatically reconcile it and net off the split?
- Please, for the love of Monzo plushies, let me open Monzo.Me links in the app and not have to pay by card on the web!
- When splitting bills, especially on connected accounts, it would be good to specify a time that it should be paid by. I sometimes pay for things like AirBnBs on credit cards - as long as I get paid back before my next bill all is good.
- Similarly, Iād like to be able to create manual splits/tabs. e.g. I pay for flights, my mate for accommodation. Heās not into the whole automatic splits/tabs thing, but I want to work out how much I owe net, and when to pay it by within Monzo.
- Can we please please please have automatic actions for DDs / standing orders? I want to be able to add #Tags and Notes automatically, but also choose to add them to shared tabs and splits automatically without any intervention from me.
- The ability to be able to add line items to transactions, and split on that basis, would be cool. We have receipting functionality but we canāt create it
Let me tell you about my anal friend who wonāt split evenly and wants to pay exactly for who ate what. Being able to add line items to a transaction and then split by them would help here. (I know I need different friendsThey are the most excellent friends).
NO NO NO! 
Do not do this!
Yes, focus on making the various Monzo features work well with each other. But be magnanimous. Create some open APIs to promote bill splitting across the industry between banks. Make them an open standard. Challenge other banks to match your high standards. Seek to improve banking for everyone, but do it so well that the Monzo experience will always be better.
A rising tide lifts all ships. Donāt be Apple. Be better.
Deep breath. I think thatās all. But be prepared for an epilogue with everything Iāve forgotten.