For what it’s worth I’m a bit old fashioned and prefer to use a real card to pay.
Mainly because I’m using a tool dedicated for the job - the card won’t run out of battery, nor will the software flake out on it (or be at the mercy of some shops’ POS implementations) and if someone bumps into you at the till it won’t be broken easily should it fall to the floor.
I am sometimes curious to know the reasons why people do choose to use a phone to pay, and have it as their only payment method?
It let’s me switch between cards without carrying each one. If they don’t take Amex, I can just flip over to the cashback. It’s also more secure than contact less.
2 Likes
Anarchist
(Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)
812
For me it’s just easier to use one device for paying and for loyalty cards.
It’s not my only payment method, though it hasn’t let me down once (and I’ve been using Apple Pay since it arrived in the UK - iPhone 6?), I have my watch and cards if necessary.
Actually I have my credit card as the default card on my phone for most purchases and Monzo as the default on my watch for <£5 purchases.
For me the phone feels more secure - it seems to ask for my pin everytime I use Google Pay… So while someone could steal my cards and use them immediately, if they steal my phone there’s a decent chance they won’t be able to use it before I can brick it.
Barclays surprises me. I don’t recall them offering any switch incentives recently and the general consensus of them seems pretty poor around here. They also sit 11th on those service quality survey things.
Might be down to them allowing triple dipping I.e. you could open Ulster on a switch, then switch that to RBS, then switch that to natwest. I imagine that would distort their figures somewhat.
I have no idea. The whole thing is missing lots of data.
2 Likes
Doug_hboy
(Always be alert because the World always needs lerts.)
825
Use phone as it’s more secure and no need to worry about hitting the contactless limit. However, I’ve always got a few cards on me as a backup and even a few quid Squirreled away in case of need.
Doug_hboy
(Always be alert because the World always needs lerts.)
827
No. If you scroll up (comment 787 onwards) it was covered and I was just mentioning my usage. I think I tried to quote a comment, like I did with yours, but for some reason it didn’t get included.