I still don’t get Hugo’s excuse of not wanting a keyboard to pop up…
They can have + and - keys, and like a slot machine game roll round between numbers and a decimal point
They can have smaller preset amounts that are in £5 multiples instead of £10 and just scroll left to right to find the one you want
They can have an Other option so just a small number of users can go into a keyboard if they wish while most won’t
Like the poster before you said they could let users select number of pounds and then number of pence, but if the keyboard objection still stands use preset amounts (such as 5p, 10p, 20p, 25p, 50p, 75p in the same way they currently have £10, £20 etc options) to at least get the users account balance as near as possible to their desired balance
There are limitless ways this could have been approached and it just looks like they stubbornly went ahead with what they thought up and then found ways to justify it. Was any user (i.e. non-Monzo) testing or feedback sought first?