Hi! So I posted something similar last week but as I have now since opened a current account with Nationwide and plan to chuck most of my Personal Independence Payment in there, what behaviour will it take for Monzo to freeze a bank card?
I just recently today sent £100 to my Mum (live on family roof), sent £57 to my Nationwide Account and bought cards off Amazon for over £5.
Any other time I spend a large amount of money on payday Monzo doesn’t freeze my debit…
What things would happen things looked suspicious, compared to a genuine user like me.
Obviously if I sent over £500 PIP to Nationwide then something wouldn’t look right, but I have setup a standing order of £100 per week…
The same as the other thread I’d imagine - what you are saying above is probably similar to how many people use the card.
I appreciate on there you noted you had a condition which caused anxiety, but I would say try not to worry too much. If you were really concerned you could ask in-app but be prepared that it’s very unlikely they’ll tell you this, because everyone would do the opposite then.
You’d likely need to be in the thousands per day to trigger anything so try not to worry.
If you head to Help in the app, and then search Contact Support, and ask for the vulnerability team or search Share With Us (https://monzo.com/i/share-with-us) there will be training colleagues who can answer all the questions you may have, and help put your mind at ease instead of us here on the community not knowing all the answers and getting mixed responses.
It should be noted that there is a forum rule that prevents discussion or speculation of Monzo’s fraud detection system.
Otherwise I might give a detailed (speculative) reply. However for here I will say simply, a normal person using their card normally should not have anything to worry about.
I am autistic too by the way, so I completely the very strong desire to know everything about it. But for obvious reasons, the details of how they detect and prevent fraud are secret.
