Issue:
Payment flow is crap when more than one account
Details to reproduce:
Transfer funds from own account to joint.
Switch into joint account.
Click payments and add the new payment details and make payment after checking recipient.
Swear loudly at monzo because the funds are taken from own account as it was account in the drop down at the top.
When I switch accounts I would assume that it would be reflected when making a payment. OS:
iOS Device:
iPhone 14 App Version:
5.97.0 Screenshots:
This isnât an account switcher. With this I assume youâre tapping the card on the home screen to expand the transaction list? Because thatâs all it does.
If you want to send a payment from your joint account the steps are:
PAYMENT TAB > SWITCH TO JOINT (top of screen) > PAY SOMEONE
Or you can skip the second step and do it this way:
PAYMENT TAB > PAY SOMEONE > Then tap the 3 dots next to your personal account and change it to your joint account
The last step here is essentially the confirmation screen which can be seen whichever route you go.
I agree with the OP that if youâre in a particular account, and hit the payments tab, it would be reasonable to assume the account you were in would be the default âpay fromâ account.
I remember this being an issue, but didnât this get fixed and now the payment screen shows you the account the payment is coming from with the option to change it?
Like I said the flow is not intuitive when I make a transfer say 4 times a year i.e. not in muscle memory. The confirmation payment screen after all the screens before (3 or 4 perhaps) is a âphew got through it and yep thatâs where it needs to goâ. I suppose my thought process when making a payment is âas a user I want to make a payment from my joint account to joe blogs for ÂŁ20â and not âI want to pay Joe blogs ÂŁ20 from my joint accountâ. Thatâs the diff for me.
Not really. I just tried it by paying an existing recipient so only 1 screen but that field just does not jump out and again I was in my joint account and it defaults to my personal. It requires me to have to check something extra in addition to the recipient (crucial) and the amount (crucial).
Perhaps if the flow was contextual i.e. If I was in joint account select âfrom joint accountâ etc.
Sigh. I canât be bothered. I was pointing out for me it is not great and I have made the same mistake a number of times over maybe the last year. IMO if it keeps happening then do something about it. With the current flow Iâll need to consult a note whenever I transfer.
They have. The screenshot I shared above is a relatively recent change. It didnât used to show you and you had to hope you were on the right account once you were past the first screen. Now it clearly shows you which account youâre paying from.
I donât mean this rudely, but there is only so much Monzo can do. You need to pay more attention.
I canât see anything changing here. The issue youâre seeing is a symptom of Monzo effectively merging the personal and joint accounts and having no real definition of when youâre acting as one account or the other.
I donât think this is a bad thing, it means wherever you are in the app you can always make the payment you want to from the account you want to. It just means that you have to pay attention when youâre making a transfer which is probably quite an important thing to do when youâre sending moneyâŠ
I think the âsuggestionâ is that if youâre viewing a particular account (personal or joint) and are thus âinâ that account, that should be the default source account for the payment if you select âpay someoneâ.
It would be intuitive, and making it happen doesnât seem like rocket science.
Another pet peeve⊠The options presented when Iâm in my personal / individual profile should not include an option to pay from my business account.