Broken Phone - Cannot access app to authorize

Hi David, I’m on my laptop.

Which is… Mac (OSX), PC (Win10), Chromebook?

Sorry, I’m running Windows 10

Thanks. Not the easiest to work around unfortunately.
Do you have an iPad or Android tablet lying around?

No I don’t have a tablet or iPad. I thought I’d be ok when I fired up my old Samsung Galaxy S2 but Google doesn’t support this anymore nor am I able to upgrade the software on it for some reason.

If the only device you currently have is the Win10 laptop, then installing Bluestacks could work, depending on your software/systems skills. It basically allows your Win10 laptop to securely run Android apps, like the Monzo app.

Further information in this topic; Monzo without a Phone


Really frustrating that they have an SMS authorization function for online payments but not via e-mail.

I’ll have a look into this, thank you David

Tricky situation but do you have no other cards you could use, credit card etc? Could you pay via PayPal instead?

I do have a PayPal account but I would have to gain access to the app to transfer money.

Go into Tesco buy a phone with your card authorise by pin pad no online confirmation required

If there was a simple getaround for the requirement to authorise a transaction, it would be a serious security issue in my opinion.

That said, Stuart won’t be the first, nor likely to be the last, to find himself in this predicament.

How easy is it to access your account on an alternative, or new, phone?

Can the app be technically open on two phones at same time?

Never had an issue to date, touch wood, so am curious of these potential further hurdles to access on a new device.

If one is Android and the other is iOS, then it’s possible, I believe.

Edit: If all of tour devices are on one platform, logging in on one will log you out of any others.


@StuartP if you buy from somewhere that accepts PayPal and have a reasonable credit history you could potentially apply for and pay through PayPal credit.

Not sure if you need a phone to setup or authorise PayPal credit but might be worth a try if the Bluestacks solution doesn’t work and you don’t want to go to a supermarket to buy a phone.

Also, several retailers offer their own 0% finance or buy now pay later options.

By transfer I guess you mean the money is in a pot otherwise presumably you’d just use your other bank card?

If the money is in a pot then an email to Monzo may be able to move the money for you. They’ll request ID etc. if they can.

I suppose exactly the same issue might exist with those if their SCA method is also app or sms.

I know @StuartP said earlier he doesn’t have an iPad or Android tablet, but I’m starting to think about my own setup now if I was ever in this situation.

I have cards connected to Apple Wallet on my iPad. Am I right in assuming I could use Apple Pay for online payments without need for extra SCA checks (assuming I could find an online retailer who accepts Apple Pay)?

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As long as you use retailers that support Apple Pay, you won’t be bothered by SCA

Finding retailers that do support Apple Pay is another story

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By transfer I mean moving money from Monzo to PayPal. There are no funds in pots.

Monzo is my Primary and only bank account. In hindsight this is one of a few mistakes I’ve made including having the foresight to buy a spare android device for emergencies.

Bluestacks isn’t an option and Tesco isn’t really either as I would have to travel a fair distance to get to one.

No that’s all completely understandable. Monzo want to be the centre of your financial life but, there are multiple holes in the service including this one that mean it can’t be. It’s part of the reason why I personally wouldn’t recommend using the CASS to switch to Monzo as it closes your old account, but that’s another topic for another day.

If I’m right you should just be able to hit pay from PayPal as long as either your card or account are registered on your PayPal account.
Whenever I’m buying things with my PayPal account I never need to increase my PayPal balance first, I just hit buy and the funds are transferred behind the scenes.

Appreciate this isn’t the best solution, but if it works it at least gets you back up and running again!