Really appreciate Monzo adding features like this to remove friction for its users .
With regards to the comments regarding non-monzo splitting, surely (some of the Monzo guys may be able to confirm/refute this) introducing this to a non-monzo user is a nightmare! The only reason this is doable is that Monzo controls both sides of the transaction, meaning they are relying on their own security.
What mechanism would you even use to inform the person who owes you money? Would you want Monzo sending texts to your contacts on your behalf?
Is it alright to store the card details of your friends against their name in the Monzo DB so the system can prepopulate it? Security seems like an issue here.
I just don’t think extending this to non-monzo users is possible, I’d rather just see better integration so when you split the bill, Monzo knows who is and isn’t a monzo user and either automates the notification or prompts you to send the monzo.me link as appropriate.