So when I buy something online with my Monzo card I am presented with the 3d secure challenge where I have to authorise the payment via the app. I think this is great and is the best 3d secure challenge implementation I have seen so far.
However, I am having an issue with this system when making payments on my joint account. While not a feature breaking bug, it’s an annoyance, to say the least. I’ve tried searching the forum and cannot see anyone else reporting it. However, I’m sure more active community members might be able to point me to where someone else has.
Android Pie 9
Monzo App - Beta Tester
Open the Monzo app and make sure the account selected is your personal account and not your joint account.
Make a purchase online using your joint account card where 3d secure is done.
Depending on your setup you may be presented with an app notification that there is an outstanding 3d secure authorisation.
Click the notification to be taken to the transaction in the app to authorise.
You will be presented with a blanked transaction screen with no way to authorise the transaction.
What I expect to happen:
To be presented with the transaction to authorise.
at the point of the blank screen
go to accounts
switch to joint account
go to transactions
find the latest transaction to authorise
click it and proceed to authorise the transaction
It seems clear to me that the notification you get is assuming that the authorisation is originating from your main account and is so trying to load up the transaction there rather than first switching to the right account first.
Anyway, that is all. Looking forward to a fix.