[jen20]

You also rarely need it among groups primarily using Monzo - which among my UK friend group is universal. Just pick from contacts, just like Apple Cash.

[robbie-c]

I've also found paying strangers on Monzo to be ridiculously easy, you both turn on bluetooth and go to "pay nearby" screen. You just ask them "Are you <full name>?" to verify, then send money.

[basisword]

While very true, I think the point is that if you come across someone not using Monzo as their bank it’s almost just as easy to send them money.