Hi…:blush:…im new to monzo & the only way i know how to login is the way ive described…is there an easier way to do it…:blush:

( related to Monzo CEO, Investor in Monzo ) #6

on mine - iOS - once Ive initially logged on with the email address and then magic email link, I enable the touch Id in the “account” - “settings” - “enable touch ID to unlock app” - and then simply close the app down touch the app again and all it asks for is touch ID to open :slight_smile:


oh i didnt know that…im using android but i will check that out…thank u for helping me with that…:grin:


On android the system works a bit differently. I don’t think it automatically locks the app when you press home, even after enabling fingerprint. There seems to be a very long timeout.

If you want to lock your app between use, you do either need to log out completely, or switch to a different bank.


ok…:blush:…thank u…i will check it out as i didnt know about any of this…:grin:.

(Jolin) #10

It’s worth noting that all that can be done with the Monzo app without a PIN is viewing your balance and transactions. To actually transfer money out, you need to enter your PIN. So logging out or locking the app is a potential privacy issue, which should in theory be mitigated by locking your phone (as someone needs to unlock your phone to get to the app).

If you’re really interested in the topic of whether it’s worth locking or logging out of the Monzo app, there was a lot of discussion on the following thread. Warning: it is very long, but if you read the first few posts, you’ll get a sense of the different points of view.

(Marcel Ruhf) #11

The timeout is 10 seconds in my experience.

(Brian Brown) #12

I’ve just got my Monzo account set up. If I am going to have to type in my email address, then wait for my email to arrive, then follow that link EVERY time I want to logon then I will be leaving Monzo pretty quickly.
This type of two step security - especially when my email provider insists on putting Monzo emails into space every time - is just a pain.

( related to Monzo CEO, Investor in Monzo ) #13

Hi Brian - once you have logged in with the initial email magic link you are then logged in - the app will open every time by pressing the monzo icon - until you physically logout :slight_smile:

(Marcel Ruhf) #14

Welcome on board :wave:
As @iansilversides said, it’s only the first time you log in (on a new device, after creating your account, or after explicitly logging out) that you will have to click on a magic link that is sent to your email address. Once logged in, the app will open without you having to repeat this process. You can enable Touch ID / fingerprint support on both iOS and Android to make sure only you can open the app.

(Brian Brown) #15

Except I never leave apps logged in when they aren’t being used.

(Marcel Ruhf) #16

Monzo’s “log in” is akin to you “registering your phone for mobile banking” with other banks. I don’t see any point of “logging out” (de-registering for mobile banking with other banks) unless you for example give your phone up for repairs. Just enabling touch ID is perfectly safe.


Except perhaps on phones where there is no Touch ID ability?

(Marcel Ruhf) #18

That’s a different story.
However, since @JackJones did mention this, I (perhaps wrongly) assumed that his phone has this capability.

(Dan) #19

Do you stay logged into the mail app on your phone? Or the Facebook/Twitter/LinkedIn etc app?

Personally I’m not sure there’s any real benefit to logging out of every app after each session if your phone has any security whatsoever.

(Brian Brown) #20

I might keep Facebook open but I would never leave any banking app logged on, because I only need to open banking once every few days or so, not every five minutes.


I don’t see what the difference in leaving Facebook logged in and Monzo logged in is. At least with Monzo to send money or reveal your PIN your fingerprint or verification is required. Your phones security should provide enough for privacy.

Your email and phone are the two things you should ensure are secure for Monzo to be secure.

No one ever seems to care that they’ve probably got their email on their email app accessable without a finger print, password or pin reader even though access to that means access to most of your accounts. :man_shrugging:


If you value privacy of your banking data, then I think you have two options:

  1. Listen to Monzo fans telling you that Monzo knows best, and that if Monzo says you dont need additional app security, then you don’t.
  2. Don’t use Monzo.

I think it is very unlikely monzo will change their mind on this matter, and certainly Monzo’s fans won’t.

I have chosen option 2, and I think the community would to well to accept that people are different, and that some people just don’t like their banking app to be open to all if they don’t have, or can’t, or don’t want to use a fingerprint reader, rather than to try and tell them how extremely wrong they are. Monzo just isn’t the right bank for these type of* people.

* that may sound condescending. It isn’t meant that way at all. Remember: I’m one of those people.

(Ian Lyon) #23

I’d agree. In addition, it’s worth bearing in that staying logged into the Monzo app has a few benefits - one of which is instant notifications.

If your card has been stolen and starts being used fraudulently, instant notifications will let you catch it right away and either freeze your card when you see the first transaction in real-time, or ideally when you notice you’ve lost a card before any spending starts :bulb:

Our app isn’t really intended to be a log in/log out kind of experience. We aim to give you real time visibility and control of your money, and this becomes pretty much impossible to do when you aren’t logged in :pensive:


But if people do not have or can’t use a fingertip reader that is what they have to do for security of their personal and financial data as anyone can access and hence view transaction history, name and account number etc, all because of lack of provision of the most basic of app security, a pin or password.