Freezing Card and Apple Pay

Does freezing your card in app also freeze the Apple Pay version of the card? Ideally I’d like only the card and standard online transactions to be frozen but still have the account work for Apple Pay purchases.


Yes it does at the moment.

That sounds good to me & it’s obviously possible because Starling enables this already so hopefully Monzo will too at some point :slight_smile: obviously it doesn’t happen often but it would be nice to be able to carry on using my card with Apple / Google Pay after I’d lost it, while waiting for a new one.


Yes, I’d welcome the granular approach to security currently available in the Starling offering. Here’s a screenshot of the toggles…


It’s interesting to hear that’s how it currently works with Monzo. When I broke my Santander card and ordered a new one, they said they had to cancel the card but it would still work with Apple Pay, and it did.

Apple Pay actually creates a brand new card, independent of the physical one. There is no technical reason why you’d need to delete the Apple Pay card because the physical one got replaced. In fact, you don’t even need a physical card to make Apple Pay work - Starling allows you to use Apple Pay the second your account is opened, even before your physical card is actually manufactured.


So if you lose your phone/watch and card then need to freeze all of it then the current way Monzo works is better?

Loosing a phone or a watch isn’t a big deal as it’s got built in authentication (my watch locks itself as soon as I take it off for example).


Apple Pay requires biometric authentication and therefore if you lose your device nothing is accessible. You can even wipe your phone remotely if You’re unable to locate it. This to me seem like a non issue.

I currently use primarily Apple Pay and keep my card on me as a backup. Essentially I’d like to keep it frozen until I need it, same way I do with Starling Bank.

This way I don’t need location-based security so the app doesn’t drain my phone battery down for no reason. It’s a win-win situation, because the second your card gets stolen or lost it becomes a useless piece of plastic.

Ahh okay, I wasn’t sure how it differed from Android pay, as you can use Android pay while the phone is locked (unless you disable that functionality).

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