So so many things.
It seems to be that the tab is trying to do two things (social and payments). Both of them badly.
I’ll do a proper deep dive as part 63268 of my megapost, but here are some pain points:
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The design is old and the header and tabs at the top don’t match elsewhere in the app.
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The Payments tab is just a list of functions that becomes repetitive. The friends owe you bit always displays even if the figures are zero. The Pay Someone box opens up a nice UI, but your Recents list isn’t recent. And you can’t get rid of folk you don’t want to see there. Likewise you can’t remove or edit contacts from that screen.
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The Request Money link is identical. Is there a way to have a contacts list that you can then choose to pay/request from?
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The See Payees link then gives me a third way of seeing the same information. But again I can’t manage, edit or hide them.
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Then I get a section for shared tabs. But all my shared tabs are settled. This is a waste of screen space. If I tap into it, I see the app’s most basic UI. I’m down for streamlined elegance, but this looks unfinished.
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And if I do have shared tabs open, there’s the same UI disarranged sparceness. And last time I used one, there was no warning or no calculation before settling up. That was unsettling (this is a pun. I’m sorry). More here.
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We then get to Bill Splits and Requests - which aren’t even driven off this screen (they start from the transaction screen). More wasted space.
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I have to scroll down to find the section most useful to me: Frequent. But again they’re not really Frequent. I have one person I’ve paid once in third position and a seemingly random group behind that. I’m still confused about the difference between Frequent and Recent (I mean, I know that the English language definitions are, but the Monzo interpretation of each is random).
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Finally, I have Recents. Again.
Now, when I finally try and make a payment…
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Monzo only remembers one reference (you used to be able to pick until the last “upgrade”)
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If I initiate a payment by selecting a previous transaction from the feed, the “Account Type” field is reset so I always need to pick it. And a random previous reference is populated.
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Not all bank logos are shown. The community even has a lovely wiki to make life easy for you!
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There’s no way to apply split categories for a bank transfer. You have to pick a category, go back to the feed after and then split it there. But if you do that too quickly the change in category won’t take and it’ll ping back.
As for the Scheduled tab:
- No references are shown for standing orders (when I have five payments to myself I kinda need to see the reference)
- The ordering appears to be random and there’s no clear distinction between what is coming out this period and what’s next.
- Subscriptions (that you can create yourself) are mixed in with direct debits.
- You only get last paid details for direct debits if you don’t have a subscription set up and only get next payment date and value if you do. Both are valuable bits of info.
- If you tap on “Add Scheduled Payment” at the bottom you can’t pick from your payees - it just expects you to enter details manually.
I’m really sorry if it feels like I’ve gone in on this tab. But it’s horrible. The worst experience in Monzo. Please remove it, disinfect where it was and start again.
(I’ll be back with some ideas on what I’d like to see in that tab instead 
)