I’ve just had an idea, and was wondering if you folks could help me riff on it?
I’m often in a situation where I’m buying things for my friends, then they’re buying things for me, and at the end it all sort of adds up. Like when I’m out for dinner, at the pub etc. These scenarios usually start and finish at a clear point in time (e.g. when I leave work/when I get home). I think we can do better than making tonnes of p2p’s and Monzo.me’s.
If I could pop my Monzo app into a mode that meant all transactions were shared between a defined group of people until I turn the mode off, well, that’d be swish.
It could be a shared pot, that everyone puts £30 into. The money comes out as each of us make transactions, and when I leave the pub and toggle off “mates mode”, the remainder is divided and zaps back into each of our accounts
What do you think? Do you agree with the problem? How else could it be solved?
Ok cool cool howsabout:
- I create a pot called “mates”
- My friends send me p2p’s with the reference “mates”. These instantly whiz through to my pot. Payees appear listed on the card icon for my “mates” pot.
- All purchases for the night are made on my card, and go out of the “mates” pot as long as it exists.
- At the end of the outing, I tap on the mates pot. The pot disappears, and the remaining balance is automatically split between me and my pals via outbound p2p’s.
- We all get a feed item summing up the transactions for the outing.
All night all I have to do is create a pot and it at the end. All my friends have to do is p2p me once.
Ps. I’ve just taken a weeks holiday and am ridding myself of comms. Will try to respond to some feedback and ideas in a week or so. Excited to see what gets suggested!