Thanks for the feedback everyone!
This is just a temporary time-saver whilst current accounts are in preview mode. Our design team are currently working on how the payments and contacts sections of the app should work in a world where there are multiple ways to pay your contacts (Monzo-to-Monzo, Faster Payments, Standing Orders, etc).
They’re currently exploring how to display your contacts, and offer enough flexibility to decide which account of theirs you want to send money to (are you sending money to your partner’s Monzo account, or to a joint savings account elsewhere? etc…)
We’ll try to factor in the need to sometimes repeat references, and sometimes use different references for payments to the same account. We may need to start with something simple, but keep telling us your use cases, this is all really useful input!
