Thames Water is my example of this… So means I get free water right?
Ha ha, not sure they’ll agree to that 
For me it’s the National Lottery and Argos Card, both I pay via DD, however if I want to play extra games with the Lottery, I have to use the SMS option. Similarly if I’m paying extra off on my Argos card it has to be SMS too.
National Lottery just ends up signing itself out, Argos Card just goes to a blank screen if using authentication via the Monzo app.
Argos card actually worked for me the other day with authorise in app. First time ever
1 Like
Oh I’ll try again when it gets to payday, didn’t work at start of this month as I recall forgetting I needed to use SMS.
Sms took ages to come through so I opened the app to see if it would work
Didn’t open Monzo from the notification though. That still might not work
Looks like Amazon are dabbling with 3D secure now, had a transaction come through asking for authorisation.
1 Like
Snap. I believe SCA is necessary, but frequently get frustrated making purchases on my iPad and then having to bail out as I realise I don’t have my phone on me. At that point I flip to Starling or my legacy bank as I can have their app on multiple devices.
Could be interesting if people ever lose their phone and want to buy a new one online but need a phone for SCA.
2 Likes
Technically you need it meet 2 out of 3 - inherence, knowledge, possession. Possession is most popularly the person’s phone, but for legacy banks it could be one of those little ugly POS machines we had back in the days (at least I had one with Barclays).
For Monzo “phone” is an obvious choice, as you need a phone to open a Monzo account
5 Likes
I personally think it’s a great idea and would be happy to have this feature for every transaction
1 Like
if you can find a Barclays ATM, you can generate the code there instead of trying to get into a branch
2 Likes
Long shot, but if there’s a Nationwide near you they tend have stock of the card readers. When I needed a new one they didn’t check I was an account holder and just gave me one.
1 Like
Barclays and RBS are definitely compatable (same device different branding)
HSBC use a proprietary one
2 Likes
Barclays will post one out if you ask.
Any will work, that’s according to NatWest anyway. When I requested one they put up a warning about the amount of plastic and resources that go into them. It then said if you have one from another bank you can use that.
Not tested the claim as I didn’t have another banks. I just got them to post me one out.
1 Like
Yes, they’re all the same standard.
- The CAP readers of Barclays, Lloyds Bank, Nationwide, NatWest, Co-operative Bank/Smile and RBS are all compatible.
1 Like
It is almost like they should think of finding a better way to do the authentications huh!
1 Like
2FA app will do exactly this - Google, Microsoft, etc. all have trusted authenticator apps and my digital life is protected further with these. In fact, I trust these more than the workarounds legacy banks have provided over the years tbh
I can’t even post on this forum without entering a x-digit random time-based code from time-to-time 
But my choice to stop my identity being compromised in the public-digital-domain
1 Like
I understand the advantages for Monzo here, though there may be some for customers, this feels like it protects banks primarily.
Enforcing 2 step authentication is like installing speed bumps on a motorway. Sure it stops speeding but it slows everyone down and increases perturbation. There are smarter ways to achieve the desired result with a far smaller impact on customer experience. I’d have thought an innovative bank like Monzo might lead the way on that.
Couldn’t AI be trained to detect normal purchasing patterns? I’m sure there’ll be a GDPR issue but I’d sign up for it to avoid the irritation of opening a second app for every purchase.
Couldn’t Monzo allow customer to nominate businesses that they digitally frequent and spend relatively small amounts.
Couldn’t the might of Monzo’s young and energetic development team try to buck the industry trend toward counter-advancement, commercial traffic calming, bureaucratic, lazy, irritating faff?
Just a thought.
Thanks for your responses so far.