I actually hate that it insists on having access to my contacts just so it can push monzo me - and if you block access to contacts you cant access any payments at all.
It now looks like you can’t open a joint account either without granting access to contacts.
It’s obvious that Monzo doesn’t need access for the Monzo.me or joint account features, so the question is - why more or less force users to provide access? If it smells like data capture…
Even if there’s no particular intent behind this, it still is very much in the Google vein of “you can use our service, but only if you give us access to as much of your data as possible”.
Starling’s Settle Up and joint accounts work just fine without contacts access.