Magic links inherently have that flaw - think password reset emails, they’re no different - it’s not specific to Monzo, as much as your argument tries to suggest it is… If your email is compromised you’ve got huge issues.
Besides, your account is read only without your pin.
You have to know the email linked to the specific Monzo account
If you can get the Magic Link email and click on it…
The Monzo app will ask you for your PIN
Game over. Unless you know the person, persons email and Personal account card PIN. Which can happen in certain situations, but these situations compromise what is known as ‘banking security’ (t&c’s)
Whilst I agree with you in part, the number of posts here about people losing their money to scammers who phone up and know Name, address, and DOB shows that whilst in most cases hacking the person is easier I don’t think I’d ever say “no chance” (even in general)
People are far more likely to hand over their information than we’d all like and I know 1st hand that people do silly things like storing their security details in word docs on their computer and note files on their phone
their meaning the method they choose to employ. I didn’t say they invented it. (did they?)
It really is quite incredible the lengths that some people go to to dissect the use of language in order to justify their misunderstanding of what others say…
Today it does, yes. I’m not sure it’s been there for very long though, I’ve only very recently seen that message in the email, although granted my personal experience doesn’t count for much, maybe it’s always been there?
Another potential is to install the app on an M1 Mac (if you have one!), assuming Monzo didn’t opt out of having their app available? Pinging @ravipatel to find out!
There’s a workaround for installing iOS apps that the developers have chosen not to allow on Macs.
Edit: I’ve just noticed that one of the steps is to send the app to another Mac and then back again (for some reason), so that might not be particularly practical.