I can still top-up my Monzo card using the latest android app (as of 19/10/2017).
Successfully topping up with a Lloyds VISA debit card which expired 07/17.
So far three successful top-ups since the card has expired.
Although the processor should check that a card isn’t expired, I would be more concerned with Lloyds still authorising transactions for the card!
I suggest you contact Lloyds to ask about this as well as the team looking into why you were allowed to enter an expired card at all
I don’t believe this to be a bug (at least on our side). It is likely that Lloyds told our top up processor about your new card and it’s all being handled transparently. This is a relatively unknown feature of a few issuers and merchants that allows some subscriptions and saved cards to be automatically updated when a card reaches its expiry without being cancelled.
With some card issuers, you’ll even have the same long card number with just an updated expiry date and CVV.
I’ve seen that done with continuous authority* but I didn’t think it could be done for one-off payments like that. Learn something new every day
- It’s a right PITA too when that happens - I once had to cancel a credit card completely to stop a company taking money out of it.
I think I have a few cards dotted about that are still ‘live’ as it were.