Bit concerned about security. I used to bank with Barclays but now use Monzo. I just noticed that by default the app needs no credentials to be used, so if phone was unlocked someone would be straight in. Even more concerning is that I can transfer money to someone else with no intermediate security checks. So, unlocked phone, straight in and transfer my entire balance to themselves. I have now enabled Face ID but wow! I think Barclays are over zealous with security but this seems ver lax? Or am I missing something?