I had thought about suggesting a QR code but stupidly went for the more controversial option! Thinking about it more though, QR could actually work better for quick and easy splitting (and no doubt is more easily implemented) but that isn’t at the root of why I never split bills in monzo. The main reason is because, as far as I can see, it just uses monzo.me to get other people’s share back, which doesn’t really give me clarity on what my true expenditure is (if I pay £60 at a restaurant but get £45 of that back, my total spent for the transaction still shows as £60). I would basically like the £45 received through the split bill feature, to be deducted from the restaurant line item before the line item is deducted from my balance. I think I’ve seen this being discussed on other threads so maybe not worth digging into it here, but even if my original suggestion was implemented, I still wouldn’t use splitting unless it behaved as I just described above (and yes, I appreciate that it would be tricky to implement!)