Thatâs correct, youâll need to pass one of your two or three controls in order to pass added security. The reason for multiple controls is as a form of backup so youâre not reliant on a single type.
Requiring two different controls is an interesting idea for very high value transactions - weâll keep an eye on this once weâre live!
Sorry if Iâm being dumb but doesnât this contradict itself? I read it as
We donât show your know locations, but if the current location is a know location weâll show it on the map dot?
I think all is this is an amazing addition by the way
Yes, but thatâs not what the screenshot says. It explicitly says âYouâre in one of your known locationsâ and if the map view above shows your current location (which is also a known location) it exposes it
But they arenât (hopefully) being mugged at home; theyâre in the street elsewhere or another city. So this wouldnât show a map of your home with the blue dot (being you), it would show the map of the area you are in currently, as you as the blue dot.
Meaning if youâre in other street/city, it wouldnât tell you youâre in your safe location, it would say the opposite, therefore refuse the transaction, or prompt another method.
Youâve used Apple Maps before, right?
Those images youâve referred to, image 2 you can ignore; itâs not overly relevant (unless it changes based on the country youâre in).
Image 3 will just show a map with a blue dot of where your device physically is, which will indicate if you are; or not, in your safe location you preset, to authorise the payment.
Youâre assuming that people are that switched on to set just their home as the known location. I appreciate I am absolutely in the âwhat-about-aryâ land but I maintain there is a risk that by doing this, Monzo will inadvertently disclose known locations which may be elsewhere.
Granted, you have to have more than one method and thatâs where I think it really comes into itâs own. I still think there is a risk that locations will be inadvertently revealed - I personally prefer apples approach where it either lets you do it, or says you are not in a known location and there is no map view at all.
Where else is the safest place to make large transfers?
I donât think itâs difficult to understand, and feel youâve either overlooked it all or not read it all properly to understand what itâs saying.
Really donât know how else any of this could be clearer. Itâs clear as day as it stands.
Youâre overthinking the map.
The map just shows you as a blue dot and your vacinity.
It may be helpful in the instance you are at home, but some reason the GPS isnât performing accurately therefore you need to move about a bit to make blue dot show you in your safe location.
It doesnât tell anyone anything other than the person looking at that part of the process, to see you are pinpointed here, and this is why you can/canât make the payment.
Itâs not saying nope, no can do, but head to 123 Monzo Terrace, X1 1XX and you can make that payment no probs.
Car Showrooms, Buying items via bank transfer on ebay, at your place of work which the public might have access toâŚ
Not really, I read it all in detail. In fact, youâll see I even agreed that itâs a great step and itâs actually really easy to understand the process and what Monzo are trying to do here. I am in agreement.
This is all I was trying to say, just that I personally donât see the point of the map as this approach could allow an individual to identify a known location, which might if seen be used against them in the future.
I was simply questioning the fact it showed the location on a map and could be used in this way, that was all.
Which is the same way of saying letting me put a pin in on screen which I know anyway is no risk of someone stealing my phone and then using it.
Look - I get it, this is me simply moving into edge cases and I didnât intend this to go as a far as it has in terms of a debate. Iâm not saying Iâm right or things should change.
I was simply pointing out that showing a map on screen does in fact introduce a threat vector which apple have avoided by not doing. Iâm not saying either is right here!
Anyway, as I have repeatedly said, I like the fact that you have to use multiple controls and this is a really positive step forward.
Use the second method you choose?
That can be saved for home, or again, the alt method.
Youâre nit picking and not really thinking about it broadly, you can choose more than 1 method; youâre not stuck without choice.
The map is showing the same as what you would see by opening the native Apple Maps app?
Monzo is showing some text that indicates whether your current location is within one of your known locations
Unless a mugger walks the whole of the UK with the map open this is not an attack vector
That said, they will quickly find your home address from the thousands of copies on your phone and therefore this security method will likely just give a victim time to contact Monzo and lock down their account. I wouldnât doubt someone whoâs motivated enough to shouldersurf and snatch your phone would mind driving past your house momentarily
A bit of realism would be nice
99% are going to store the QR code on their phone and use their Home as the known location, and even then that will probably cut down on a huge majority of this issue
Respectfully, you are presenting a strawman argument, i.e coming back at a wholly different point than the one I was trying to make.
I am not and never was criticising the choice of options or that this would cause more friction than its worth. Itâs a great tool.
I was, as said, noting that by displaying the location and saying if it was a known location, you could or not inadvertently therefore reveal where that location was. That was the only line of debate I ever put out.
Iâm done with this thread now. I simply raised a point that this might be used as an attack vector but probably not. That was it. It had nothing do to with a lack of understanding of what Monzo are trying to do, or how it worked. I understand it, and I think itâs great.
It was only ever a more broader security thread and a genuine question around the need for the map to show location which I think is purely a UI thing - which is fine, itâs their choice to do it this way.
Yeah, that screen tells you whether youâve passed the location test, whether the map is there or not, I canât quite get my head around how some UI fluff is making it less secure but maybe Iâm missing something 
Location based security isnât a new thing. Itâs been on revolut cards for a few year. Nothing stopping them flipping the switch to align to transfers too.
My cards have caught me out a few times, annoyingly if the payment systems are registered elsewhere ie London and Iâm in Hartlepool. Will never forget that at Vue cinema 
Wdym? Monzo has also had location based security as in I opt in via the app and presumably they compare it when I make a transaction, didnât know Revolut had it though
Admittedly itâs never declined even when the payment terminal was registered in a different country
Just physical card not Apple Pay, you canât technically be somewhere else with Apple Pay unless your device has been stolen.
Used to get a decline and in app would say cuz location.
Purchasing a ticket on a train handheld device.
Hi all, really liking these features, I hope they have been tested with accessibility in mind? Myself, I am totally blind and use voiceover on an Iphone to read the screen, and talkback on a google pixel, so I hope these have all been tried and tested with a screen reader? 
I think this would defeat the object of the security if its possible to send it out to just anyone!
the thief would have to be AT your home location in order to carry out the transaction - the point of this is that it will only work for you at home or at work - it doesnât matter who knows where you live - if theyâre not actually physically there to undertake the transaction it wonât work - I think you are over thinking it
I like the look of these features 
Although Iâve been using Monzo for my main current account and short term savings for several years, Iâve avoiding using it (or any financial app I install on my phone) to hold larger sums of money (long term savings/investments). Iâve been concerned about the possibility of loss of this money via phone theft or mugging. I wouldnât be surprised if a lot of other people have similar concerns. These new security features may well be enough for me to consider using Monzo with larger savings and investments.
