Monzo.me seems a bit long-winded to me, you ‘request’ money, it sends a text link, they then click the link, fill in all their details (who knows these when you out or in a bar!!)
Would it not be better to have a ‘request money’ button that just sends a notification to your friend, clicking accept would then take him to the ‘send money’ section of the app and he could add/amend amount and send to you?
If a Monzo user receives this request, the link will take them to the app and do a Monzo-to-Monzo transfer, so they don’t need to fill in details. It only takes you to a webpage form for debit card details if a non-Monzo user clicks the link. (Or if a Monzo user clicks the link on a device without the app installed.)
I literally signed up to the community just so I could agree with you!
This is such an essential feature. The monzo me link is ugly and long winded, most people I know are already on Monzo. For small payments with people who aren’t on monzo, they usually pay me pack in cash or through their other banking app.
It would be great if it could tie-in with bill-splitting since thats when I need it most. So you could split the bill with person A and person B, and then hit request so that they have a reminder to pay you (i.e the situation is something like: I’ve paid for something for them and they will pay me back when they get paid in the near future).
It’s great that its so easy to send money through the app but there are definitely times where I might forget to pay someone back, or can’t remember the exact amount to send, so would be really helpful.