I lost my Amex card recently and called up to cancel it. They asked:
Do you want to cancel your Android Pay virtual card number too, or keep that open so you can carry on using the card through Android Pay while you’re waiting for your new card to arrive?’
Because my phone was safe, I opted to keep my Android Pay virtual Amex card active.
That was awesome because it meant I could carry on using my Amex card as normal with Android Pay, even though I’d lost the physical card. No need to stress over backup credit cards, or be without money for a few stressful days. Just swipe with your phone and you’re done.
Now Monzo supports Android Pay - could you consider implementing ‘freeze card’ and ‘order new card’ in a similar way?
I checked with Support and they said at the moment when you freeze your card it will freeze both the physical Monzo card and the Android Pay virtual card. Then once you’ve clicked ‘order new card,’ both the AP and physical card stay blocked/frozen. I asked if I could click to unfreeze the card temporarily to make an AP payment, but they said they wouldn’t advise that because it opens up fraud risk on the physical card. That’s probably a remote risk, but I get the logic.
Losing your bank cards always sucks, but I feel like Monzo could make it slightly better by allowing you to keep using AP as normal in that situation. The real/virtual card number should really help there. If Amex can do it, I’m sure Monzo can!