I’d love to see Monzo contacts in the payments tab integrate better with my phone contacts. For example, lots of my Monzo friends haven’t set a profile photo in Monzo, but do have a contact photo on my phone. Since Monzo is already recognising links to your contacts by phone number, I’d love to see it also pull your contact photos into the app too (and if a contact doesn’t have a photo, it could fall back on their Monzo profile photo). Currently lots of empty pictures in my feed / payments tab, so this would fix that. Going even further, you could even add a “pay” button in the Android Contacts app which would jump you straight into the Monzo app to pay that contact.
I also really want to see better shared tabs (if you want an idea of how I think it could be, try using Splitwise). Would be amazing to be able to split things by percentage or share as well as the actual cash amount. Same goes for direct debits - currently you can only get a direct debit to automatically add in a shared tab if it’s being split equally. In my flat, we don’t split the bills equally, so would be fantastic if you could tell Monzo to always split a direct debit so Person A pays 20%, Person B pays 50%, etc, regardless of how much the bill actually ends up being.
Also, I think people should be able to add notes to items going into shared tabs. I don’t want to just see that my flatmate spent £30 at Sainsbury’s and requested £5, I want them to be able to add a note underneath saying “washing up liquid” or something to that effect. It would also be great if you could add the same transaction to multiple shared tabs - I have a shared tab with my girlfriend and also my flatmates, and if I do a shop for both girlfriend and flatmate stuff, I have to pick just one tab and add a custom amount on the other. It would be so much better if I could say “request £2.50 each from everyone on the flatmate tab, and £5 on the girlfriend tab”