Sorry if this is already somewhere in the forum, but a quick search found nothing at the tip of the iceberg.
I have actually just mentioned this to one of the staff who has forwarded it to the product team, but he suggested sharing ideas here too, so I will.
Basically I am travelling (alone) and to some places out of the way. So if somebody stole my card, id be expected to block it in app. But what if somebody mugged me and took my phone and my card, or broke into my locker at the hostel and took both? Without my phone I cant use the app, I don’t have internet access to email customer service, or a phone to call them, (that is if i could even find the number in the first place).
Now, I would rely on strangers to help me contact monzo using their phones. Currently, I would have to get a stranger to download the app and then me log into it and block the card (them trusting me to be downloading something normal). Or let me use their phone credit to make international calls, after searching online for the number using their phone (spending their time searching and money calling). Or I could email monzo from their phone with my sensitive info to locate the account and block it (me trusting the stranger to not keep my details for later use). All of these options are less than ideal, and during the time it takes to find somebody willing to let me do the above, somebody could go on a contactless spending spree.
So the idea is a simple webform at a simple url, eg. monzo.com/lost, which asks for name, phone number/email address, home address, postcode and dob. This would be enough information to locate an account, and to verify identity in one go. It could be done in literally 1 minute, which a stranger would be more willing to allow. It doesn’t require any downloads, doesn’t save the data to the strangers email history, and doesn’t cost them anything as it is minimal data usage.
What do you guys think? Lets see if they implement this before I go away next week. (fingers crossed)