It might just be me but I’ve been caught out twice now and it’s uncomfortable when money gets lost.
First transfer to Freetrade went swimmingly.
Monzo remembered Freetrade but didn’t retain reference. Next transfer was allowed but Freetrade couldn’t allocate me (few enough users that they contacted me directly). I also made this mistake transferring to Glint.
It seems like it should be remembered or could prompt to say “reference is empty, do you want to proceed?”
Yep this is another issue with the way Monzo link payments references on bank transfers you make (I’ve highlight another issue relating to making payments towards credit cards).
The payments tab needs overhauled.
+1 for a reference empty alert. Sent my first funds to Freetrade without it (oops!)
My second transfer went through fine but the reference number hasn’t ‘stuck’, needs to be input each time, which is annoying.