Monzo based friendly banter

General Chat
1

So I’ve been wondering if anyone else has started sending a penny to their best friends, coupled with ‘friendly abuse’ in the description? I personally thinks it’s the future of messaging and like to call it #bankbanter. It’s most effective after a few drinks… sometimes someone will accidentally send a quid instead of a penny. Love it :laughing: love Monzo :blush:

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Ha, I really thought this post would be something else :joy:

I haven’t done this personally, but I’m sure I saw someone had their account frozen due to a dodgy reference/joke (not sure if it was just a rumour, but I’m sure it was on this forum somewhere).

I’m not sure how different this is to the good old text message, but hey, if it works for you! :grin:

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Yes, my mates do it just to piss me off and make my feed look messy. This is why I’d like a ‘hide transaction’ button :wink:

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Haha… it’s all pretty lighthearted banter between mates. But I guess we should be careful :wink:

… I think the money behind the message only goes to add some weight to the insults

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It’s really annoying and also can be quite embarrassing for mortgage applications etc.

Wouldn’t be the first time that prank descriptions have causes payments to get investigated either

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A friends partner had to explain these to his mortgage company when they were reviewing his statements. My friend was not amused at the time!

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The description does not show on the bank statement, does it not? It just shows as a P2P payment, faster payment and so on. It’s not so much the references with my mates, just the annoying 1ps in my feed! :man_shrugging:t2:

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I didn’t say they used Monzo when I was told this story, I was referring to the use of faster payment references to send banter between friends. References appear on my RBS statements so it depends on the bank.

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Assumed you meant Monzo given the title of the thread.

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So I guess the answer to my question is ‘yes, this is common practice’ … but probably not a good idea :neutral_face: . I think moving forward i’ll save this for special occasions only.

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11

I’ve never heard of doing this. Clearly I’m not down with the kids. 🤦

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12

I’ve had my friends put all sorts of illegal/embarrassing things as the reference in the past.

Hopefully it doesn’t come back to haunt me :sweat_smile:

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13

I love doing this. Me and my mates do it all the time. I also love seeing if mortgage officers notice :rofl:

It’s the modern equivalent of writing ridiculous names on cheques. I once wrote one to a friend called Nick as “Nicky Poo” which went through OK. I also wrote one to “Aunty Helen”, which was also fine.

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When I split from my cheating ex and blocked him everywhere the only way he could contact me was to send £1 on Monzo :joy:

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15

I’m being curious now; what’s Monzo’s official line on this? Would COP’s be able to block payments from certain accounts (if harassment happens) or would you be able to change your account number if requested/required?

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16

Pretty sure my flat mates have sent me money labelled “Drugs” so I bloody hope not too!

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Didn’t actually mind the money, but would have been annoying if he had only sent a penny :thinking:

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Fair enough, I just meant in general. :wink:

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19

Cops can apparently facilitate this

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20

So disappointed this isn’t a ‘YOUR Monzo’s so lame that…’ style thread…

However I have a friend who quite regularly will add references like “Refund for Thai massage” and the like. Ohhh the bantz we have. I almost LOL’d.

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