Hey everyone 
I thought I’d share some of the designs we’re using to restructure this screen. You already picked up most of the changes we’re doing here!
Overall the main idea is that you shouldn’t need to know if the person you’re sending money to has a Monzo account, or if you have their phone number. Whether it’s a bank transfer, Monzo-to-Monzo, pay anyone link, or someone nearby, you should just need to think if you’re 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 you’re sending money to.
We also adding the option to request money from a Monzo user, so you don’t have to send them a Monzo.Me link if they’re also using Monzo. Works pretty much like bill splitting requests, but without a transaction associated with it.
We love Nearby Friends! 
It’s still there, on the main screen of Payments, next to the search bar. It’s less obvious what it is/does, so moving forward we need to think of a good way to introduce users to the feature.
Spot on @awjdean!