Great news @cookywook
Looking forward to this coming to fruition!
Lovely little feature that none of the competitors have but soon their users will want based on how seamless monzo makes it
This looks fantastic @cookywook! I cannot wait for this, I originally turned off the Lab feature because of not really being able to split with non-Monzo users.
Edit: I should also clarify that Iâm actively trying to convert most of social circle to using Monzo but itâs very difficult to get people to move for some reason. Even with the switch serviceâŚI just donât get it. 
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Having three options seems a bit confusing. What about the following:
When Iâm with a group of friends/family/colleagues, we usually discuss whose on Monzo and who isnât. Because Nearby Friends has to be enabled, often it confuses people, and itâs also not super obvious that itâs not just âFriendsâ, but ânearby Monzo usersâ. I donât call collagues âFriendsâ, but they would show up in âNearby Friendsâ and itâs confusing.
Having two options means you could share the Monzo.me link and/or a Golden Ticket/signup link. i.e. design a workflow that drives sign-ups.
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+1 for golden ticket and link to contacts (send auto SMS?)
I have 2 pending golden tickets but I wonder how it would split them between 2 non-monzo contacts or if I added a third non-monzo would one miss out?
I donât seem to have an option to split a bank transfer amongst some of my Monzo owning friends. Has this feature been disabled? I see from this thread that some users are experiencing difficulties with it.
Looks like a good feature in general though, thanks!
Have you switched it on in Labs?
Thanks for the reply!
I have switched on labs. I can see it there for standard card payments, but not for bank transfers.
I think itâs only card transactions that can be split.
Great to see splitting with non-Monzo users is in the works!
Feedback
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Completely agree with @WildlyWavingâs suggestions of having only âSomeone on Monzoâ & âSomeone not on Monzoâ options and then Nearby payments as an option above the âcontacts on Monzoâ section after choosing âSomeone on Monzoâ.
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Temporary, individual monzo.me links for each person in the split, but it would be really useful to be able to split different amounts for non-monzo people. I think the inability to split different amounts for the same transaction is a reason why not too many people used monzo.me before - I know itâs prevented me from using it before. This functionality would also let users track whoâs paid.
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Ability to assign nicknames to non-Monzo users when splitting.
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Option to âAdd contact on Monzoâ at the end of your list of Monzo contacts after choosing âSomeone on Monzoâ (if not already there).
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If a receipt is added to the transaction before the split, the receipt is automatically added (or option to download it is given) to the bill split feed item for Monzo users and to the monzo.me link for non-Monzo users so that people can double check theyâre paying the right amount. Receipt would then be automatically added to the bill split repayment from any Monzo users.
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It makes me really happy to see you do this. 
Thank you!
If a receipt is added to the transaction before the split, the receipt is automatically added (or option to download it is given) to the bill split feed item for Monzo users and to the monzo.me link for non-Monzo users
Cracking idea @awjdean, it would be great if this could be part of the âLinked Transactionâ so that anyone on the transaction could see both the receipt, and who owes what from which place.
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I think the ânon Monzoâ aspect of the bill split would go hand in hand with a redesign of payee management. If we could have a contact list of all our friends/colleagues etc (and their Monzo and non-Monzo bank accounts) this would make the UI much nicer on the eye than just âfriend 3â and âfriend 4â.
It could then intelligently decide to send a Monzo request if they bank with Monzo, or send that person a text (or copy and paste a url) with a Monzo.me link if they donât? 
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That is the dream!
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Wow. I like that - looks pretty cool. You guys really move quick on users interest
Do you plan to indicate on the payment list who is / is not a Monzo user ?
+1 for contacts integration and auto sending an SMS/Monzo request
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Wow auto text/whatsapp would be incredible!
And dare i say it a very monzo way of doing it.
Id also like to see the ability to send a reminder if possible
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You can split the bill from a joint account; Iâve done this quite a few times now!
You canât request money from a joint account. Nor can you request money from yourself, Iâm afraidâŚ
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Are the Monzo.me links some way unique so that the correct non-monzo contact shows as paid?
I think the plan is that when you tap the name, you get a link to share with that person.
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You and @awjdean both have some really good feedback, we shared it with the designers yesterday 
Interesting point about âNearby FriendsââI remember we thought very hard about the naming of that feature.
The screenshots above are just the design; in the app youâll get to name the non-Monzo friends youâre adding.
While there Monzo.me links with individual amounts, I donât think weâll be able to link the Monzo.me link back to the bill split (or at least, not right now).
Hope thatâs interesting 
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I suppose what I mean is it would be great if you could split the bill from a joint account with your personal account being one of the split options.
Eg. My girlfriend and I have a joint account for house stuff - mainly bills - in which we put our share of the mortgage etc in when we get paid.
Then I purchase a piece of furniture for the house on the joint account.
If I split the bill just with her from the joint account, I am not paying my share back into the joint account. Really I would want to split this payment 50/50 between our two personal accounts.
Does that make sense?
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