I’ve just tried setting up a payment to my joint account with my wife (obvs not a Monzo acc) and this is the vibe I got whilst on the payments page:
Seeing a massive list of contacts from my phone is disconcerting. At the top are a few people I don’t actually like but need those people in my contact list – eg. ex partner, colleague etc. It’s irrational but I don’t like the feeling of seeing them there or accidentally sending them some money. I’d like to be able to hide this contacts list as, for me, the vast majority of them are irrelevant for banking purposes.
Adding a new payee is a slick journey but feels like there’s a lack of Monzo delight here. On my first use of this journey I was expecting to see some messaging around customising the payments page so it works in the way I need it to.
On completing the new payee journey I looked at the payments page & thought: I want to keep this payee at the top of the page, how long will a ‘recent’ payee stay there? It would be useful to have a shortlist of favourite payees.
I also thought 'dammit, I’ve got the same problem as with Natwest: In a list of multiple accounts of similar names I have to figure out which payee is who by examining the name, acc number & sort code. What I really need is a nickname for each so I can quickly – and accurately – determine who I am about to pay. Plus, adding an avatar of my choosing to each payee would help this. I don’t have too many payees to manage such a system.
Already suggested above in this thread but adding my support for it here: Ability to change reference for each payment. There should be a default reference, but I often want to override this with something more relevant to the payment at hand.
Last point, the visual design feels a little too stock iOS. This may not be Monzo’s design strategy but I tend to appreciate this approach in many apps: Top level screen here could make use of some big, friendly buttons to access the areas in question.
Looking forward to making the big switch from Natwest to Monzo once Pots are released! Keep up the awesomeness