Was in an Apple Store today buying a new Apple watch. When I pulled out my phone to pay I had to change cards as Monzo is the default but this time I wanted to pay from my RBS account. When the assistant saw the card he said it would likely be declined. He was correct.
I swtiched cards and when he saw the Monzo card I was expecting him to ask what it was, but no, he said “Oh, Monzo”, that will be no problem. Correct again.
So the bank that has known me for nearly 50 years couldn’t figure out that this was a valid transaction but the bank who have known me for about three months could, desptie the fact that this was my first high value Apple store transaction with them. I’ve make plenty with RBS.
Well done Monzo.
Of course declining the transaction was not to protect me as they later claimed. We are all already protected unless negligence can be proved. It is, of course, to protect them.