Yep totally agree; there’s something unnecessarily awkward about this sort of situation.
For those who are not yet familiar with Monzo, sending money to friends via a Monzo.me link may not fill them with confidence! Off the back of this feedback, we’ve considered how we can make the messaging in the link a little bit more informative and secure feeling.
In terms of your original suggestion we’re still figuring out a smart way to do this which would ensure you would still always have an accurate overview of your budget and monthly spending (things could get a bit confusing in certain use cases). Hugo has elaborated on some of the considerations we have to make when thinking about how users can make manual entries and changes.