This may not be exactly what some users want but I think we’re talking about some minor friction here, not a major hinderance…
From what I’ve seen so far it looks like Monzo is aiming to make the design decisions that make the most sense. They have the data to see how the app is used & I assume that what they’re seeing is that this feature benefits more users than it hinders.
Hugo acknowledged that this was a compromise in the comment that RichardR posted earlier in this thread. As you know, Monzo typically build version one of a feature & then improve it through iteration later when they have time. Personally I’m glad that they’re spending their time designing bill splitting, rather than this, right now.
I won’t say that it shouldn’t stay… But why would it stay?! Would there be much need for it once the current account hits and we’ll be able to stick salary, etc. into it?
Just being able to move money instantly would be great. A bank transfer can take up to 2 hours and that’s if they are part of the faster payments. If not it can take much longer.
I can’t say I don’t agree But I think the use of said feature will be significantly reduced… I know that once Monzo opens up Current Accounts that I’ll be ditching my current bank in favour of - I can’t think of a reason I’d need to ‘topup’ in the current way
Although it’s interesting to read about, whether that’s true or not, it doesn’t really matter because Monzo have said that they are aiming to reach feature parity for the two platforms. Neither is going to get preferential treatment.
Would there be much need for it once the current account hits and we’ll be able to stick salary, etc. into it? 
But I think the use of said feature will be significantly reduced… I know that once Monzo opens up Current Accounts that I’ll be ditching my current bank in favour of 
- I can’t think of a reason I’d need to ‘topup’ in the current way