Freezing a card as a regular activity

This is fine.

I pre-authorise…presently by unfreezing the card when I walk towards the till, then freeze again after I see the transaction is complete.

1 Like

As PhatPheddy said there isn’t time for manual user authorization, currently Monzo has to respond to their 3rd party processor in less than a second. Once Monzo goes direct, the response time will increase to 7 seconds but obviously that’s still not feasible for delayed transactions - when you might not have your phone with you.

this isn’t an option unfortunately because it would enable you to purchase goods offline & then block the payment.

I expect this is possible but the cost, in terms of the reduced application for your card is generally considered to be outweighed by risk of fraud - which the issuer is liable for anyway (conditions apply, obviously).

there isn’t time for manual user authorization

You both imagine that I asked for “in process” authorisation.

I only asked for “in advance” authorisation.

I can already use the freeze/unfreeze approach to create a time based authorisation, I already do this.

I’m only seeking feedback from Monzo as to whether my behaviour is sanctioned and whether Monzo feel that there are issues here that might emerge.

lacking that facility right now I’m happy to restrict my Monzo use to in-person live transactions only.

I expect this is possible but the cost, in terms of the reduced application for your card is generally considered to be outweighed by risk of fraud - which the issuer is liable for anyway (conditions apply, obviously).

Oh this is solved easily, partition use across multiple cards.

I already do this with bank accounts, doing so with cards is not a hassle.

Effectively anything that is not a live in-person transaction goes on a Barclaycard as the chargeback capabilities and willingness by Barclaycard to do that are awesome… enough for me to feel very safe and in control for all unanticipated spending. All my web spending is on that card, Monzo is my IRL spending.

1 Like

Truly offline transactions won’t come through as an authorization at all. They come through in the “Presentment” file mentioned in the 3-second-sandwich blog post.

These transactions will always succeed, regardless of whether your card is frozen, and regardless of the amount in your account. Even if you’re frozen and it would cause your balance to become negative, it will still go through.


I do this freezing/unfreezing all the time as well. Its good to know that if someone does get my card details instead of having a 50% chance of getting a fraudulent transaction in they have 0.01% chance.

I have been caught out a few times in a shop without internet though so certainly not fool proof.

I too would like to know if monzo sanction this type of usage and whether they’d plan to build on it?

1 Like

Btw, one big thing to keep in mind around this:

If there is fraudulent activity on your card, it is not your responsibility to absorb those losses. That is one of Mondo’s responsibilities as your card issuer (or, by extension, Wirecard etc).

Freezing your card all the time will very likely reduce fraud, and it would definitely help Mondo’s bottom line, but it wouldn’t make any difference to yours in the long run (other than possibly avoiding some minor inconvenience of contacting Mondo).


Is there not some kind of limits ?? I dont think its as cut and dried as this (tho I did get an encouraging email from Monzo saying similar) with debit cards.

With my credit cards it is… With debit cards there is usually some cardholder responsibility depending on time of reporting etc.

Its a problem where I spend a lot of my time, not only because it happens, but because asian banks are not as customer service based and theres no functioning appeal or ombudsman, this just shut you out. One mate lost 15 - 20k GBP and another>10k.

1 Like

There are T’s & C’s here, as you would expect but they seem reasonable to me -

Suggestion for the T&Cs…

Add a UK landline to that… I am unable to call an 0800 from overseas and the loss of my phone and card would make lost card reporting impossible with only that number.


an 00 800 number or a +44 3 number should be available from abroad as +44 800 not normally connectable from most countries


I have a question regarding the freeze function.

I love this feature and I am tempted to keep my card frozen all the time and only unfreeze it when I need to use it (let’s see card cloners try to use my card now), is there any impact/issues with having the card frozen for days/weeks at a time?

yes. as not all card transactions are both instant and final. there are many transactions where a presentment file is sent thru and the final request for payment follows later, sometimes this is so delayed the initial transaction is timed out and automatically reversed and then has to be represented, also some companies like Amazon don’t charge on ordering but on shipment

I’ve moved your post here, as it follows on nicely from the discussion earlier in this topic. I hope that’s ok :slight_smile:

On the face of it, this idea totally makes sense but I wouldn’t recommend it, for the reasons I’ve mentioned earlier in the thread.

The TL;DR is, it will mean that block transactions that you don’t want to block by accident & it’s just not necessary, as Monzo will refund you for fraudulent transactions, very quickly by the look of it.

Haha yes i see this question has been asked so thanks for moving it.

1 Like

Being able to freeze/unfreeze at will and leave in suspended animation for long times is a dealbreaker for me and many others I know so I hope it remains like this.

have you any reason to believe this facility is about to change ? - this is a 2 year old thread and I haven’t seen anything too suggest that freeze card facility is changing ??? :man_shrugging:


No. And apologies for the necro-thread - it came up as a suggested topic and I didn’t think to check the date (I thought they were automatically closed to avoid issues such as this?)

we have probably unintentionally resurrected it again then , @simonb ???

Yeah, this thread should have been auto-closed :thinking:

Freeze/unfreeze as a feature isn’t going anywhere :grinning: