So I might have had a little poke around And with the latest strings in the app I thought Iâd take a look at something which had previously been left as âWatch this Spaceâ ⌠The space in question was the new Payments screen!
Thereâs not much to show but I thought the super early look would be appreciated by some Plus, itâs what I do best
Enough rambling, hereâs some screenshots
I had to do this in aeroplane mode so I am unable to see what the contacts side of things looks like and I also couldnât click on all of the buttons without it crashing the app
So sadly thatâs all I can share
(The Joint Account is weird because I donât have a Joint Account.)
Iâm looking forward to more updates as new betas land This is exciting! A significant portion of the app is being redesigned - first the Accounts page and now the Payments page Keep up the fantastic work Monzo
I think itâs great this section is getting some love, as itâs definitely overloaded at the moment. The one thing Iâm sad about, though, is that right now itâs really quick to set up a new bank transfer or pay a previous recipient, as you can get to both straight from the payments tab. I realise there are always compromises, but with all that unused space on the main Payments screen, I wish they would have a âquick accessâ section under âPay | Request | Inviteâ that would at least list your recent payees, so that we could quickly pay someone again.
Itâs great that scheduled payments now have their own âScheduledâ tab.
I think the Scheduled tab would be better if it was more granular. Currently there appear to only be separate sections for âScheduled payments & standing ordersâ and âSubscriptions & Direct Debitsâ. I think scheduled payments would be easier to manage is there were separate sections for âScheduled payments & standing ordersâ (contains standing orders Monzo-to-Monzo scheduled payments (when they come) and personal-joint account payments), âSubscriptionsâ, âDirect Debitsâ, âScheduled Pot Transfersâ. NB: it makes sense to split âSubscriptions & Direct Debitsâ into different categories because you can do different things to them (Eg: you can delete a Direct Debit from within the app).
Payments tab
Really like the new âPayâ and âRequestâ logos.
Having âMove Moneyâ under âPayâ doesnât make much sense to me because it feels more similar to a pot transfer than a payment.
Iâm not sure there needs to be an additional screen, and therefore an additional click, to pay someone since thereâs loads of room in the Payments tab anyway - 5 options at the top is fine space wise.
Hopefully the flow for clicking âPayâ will look like this:
Pay ==> screen with a scrollable alphabetical list of all your payees (including Monzo contact payees) + search box at the top + options for âNearby Friendsâ & âPay new payeeâ above the list, but below the search box (like for Bill Splitting (see screenshot below) but without the ability to select multiple payees. Clicking any payee would take you to the next screen ==> current bank transfer/Monzo-to-Monzo payment screens.
NB: Pay Anyone could be included with the âNearby Friendsâ & âPay new payeeâ options. If this is the case, renaming âPay new payeeâ to âPay new payee with bank detailsâ and then have PAy Anyone as âPay new payee without bank detailsâ would make sense.
I just want a place to store bank contacts. I currently transfer cash to my Starling account, and then to a bank transfer from there, because itâs easier. I never have the details to hand when I want to transfer cash, so just having them there is good.
Hey, Iâd love to know what your use case is! Better payee management is often requested and something weâre actively looking at, but Iâm wondering why the contacts integration is not enough in your case.
Hey, while a few people I know have Monzo accounts, a few members of my family donât so I canât use the contacts section to pay them. And paying 1p just to have their details saved seems silly.
I also have a couple other accounts and as itâs all me the contacts solution doesnât work again.
The current solution doesnât allow me to add photos to my recent payees which I think is important as photos are easier to instantly recognise than text
Finally, I have a bunch of contacts who have Monzo but I donât want them to know who I bank with and such I must disable contacts access, making it impossible to pay the few people I could through this method.
So what Iâd like is:
Easy way to add payees without needing to transfer money to them
Saved payees that donât disappear like the recents do
Ability to add photos to payees
More granular control for contacts access
If we get these features itâll be the perfect banking app for me
Itâs a little creepy to me that I can see my ex as a Monzo contact, with a profile photo.
I had forgotten that they were in my phone, it was from a good few years ago.
Why it is creepy is that they definitely do NOT know I can see that information. I have had several different numbers since then, so I will not show up to them, but as they havenât changed theirs I can still see them.
Not really sure what the solution here is, but I imagine if they found out they would not be that thrilled, even if the only thing I can really do is send them money and see a picture.
I agree we could do better at explaining what is visible and to whom itâs visible. Thereâs one global setting for this called Payments with Friends, if itâs on then your preferred name and profile photo will be visible to anyone with your phone number (inside the Monzo app) and they can send you money without having your account details. The setting also enables your Monzo.me â Send money instantly through a link page, which also has your preferred name and profile photo.
No. We donât store your contact list in our servers, so until you send money to someone we donât know you have someoneâs contact.
Hey everyone I thought Iâd share some of the designs weâre using to restructure this screen. You already picked up most of the changes weâre doing here!
Overall the main idea is that you shouldnât need to know if the person youâre sending money to has a Monzo account, or if you have their phone number. Whether itâs a bank transfer, Monzo-to-Monzo, pay anyone link, or someone nearby, you should just need to think if youâre sending vs receiving, then pick the person from a unified list that includes your previous payees and your phone contacts. The method of payment is easy to figure out once we know who youâre sending money to.
We also adding the option to request money from a Monzo user, so you donât have to send them a Monzo.Me link if theyâre also using Monzo. Works pretty much like bill splitting requests, but without a transaction associated with it.
We love Nearby Friends! Itâs still there, on the main screen of Payments, next to the search bar. Itâs less obvious what it is/does, so moving forward we need to think of a good way to introduce users to the feature.
Still really hoping that Scheduled Payments can be labelled/ tagged so that we can easily see what theyâre for.
The first iteration of payees was decent but need more work to finish off properly.
I know Monzo has / are working on various wizz bang features but I predominantly use it as my hub account as itâs the nicest app to use for basic banking functionality. The promise of a great payments workflow is the one thing thatâs keeping me from switching to Starling.
Aha yeah! Thatâs something Iâve spotted recently, seems that is already in the app
I tested it out and, indeed, it looks exactly like a bill split request but without the need for a bill itâs great and saves a step of generating the (custom) monzo me amount link and then sharing it - as long as the person also has monzo that is
Thanks for sharing those designs they look superb definitely looks a lot nicer than what I was able to share
And with the latest strings in the app I thought Iâd take a look at something which had previously been left as âWatch this Spaceâ ⌠The space in question was the new Payments screen! 
Plus, itâs what I do best 
Keep up the fantastic work Monzo 
)
(Along with Standing Orders)
Plus the new layout is unfinished so it may just be missing a home 
I thought Iâd share some of the designs weâre using to restructure this screen. You already picked up most of the changes weâre doing here!
Itâs still there, on the main screen of Payments, next to the search bar. Itâs less obvious what it is/does, so moving forward we need to think of a good way to introduce users to the feature.
itâs great and saves a step of generating the (custom) monzo me amount link and then sharing it - as long as the person also has monzo that is 
definitely looks a lot nicer than what I was able to share 