Issue: Bank of Scotland app & Monzo app successfully communicate on how much money is to be transferred and which accounts are involved, but Monzo sends user to the Bank of Scotland website instead of app; fails to close the loop and make the payment.
Details to reproduce:
Choose ‘Pay & Transfer’ in Bank of Scotland app
Select ‘Your account with another bank’ as source of funds (plus Bank of Scotland Credit Card as destination, and details of amount to transfer)
Choose Monzo from list of banks
Confirm dialog headed ‘Go to Monzo Bank’ (Text of dialog reads: ‘We’ve set up the payment. Now we’ll send you to the Monzo Bank website or app to approve it. Once that’s done, Monzo Bank will send you back here. Your payment won’t be complete until you come back here.’ - bold added)
Monzo app opens with pre-populated ‘Make a payment’ screen (screenshot attached)
Click ‘Continue’ and authenticate with fingerprint
Monzo dialog claims payment is confirmed (screenshot attached)
Monzo app sends me to Bank of Scotland website instead of Bank of Scotland app where the process originated
Logging into Bank of Scotland website does not complete loop
Being logged into Bank of Scotland website before starting process does not alter outcome; Monzo still directs to a fresh login page
On manually returning to Bank of Scotland app, find page headed ‘Payment not finished’ (Text of page reads ‘This payment hasn’t been made yet. You still need to approve this with Monzo bank. If you’ve done that but still see this message, then there’s been a technical problem. Please try paying another way this time, for example with a debit card.’ - bold added)
Result: journey loop is not closed; payment is not made
I believe this may be an issue with BoS. During the “Pay with Bank” flow, the requesting bank tells the sender (i.e. Monzo) which “return URL” to use - and, once you finish the payment flow in Monzo that is where you are sent. However, the “return URL” being provided isn’t being picked up by the BoS app and - because no other app on your phone recognises the URL - it defaults to being opened in the web browser.
To confirm this - when the web browser opens, what is the domain name shown? (i.e. “online.bankofscotland.co.uk” - no need for anything past the first slash). If you then go into Android Settings->Apps->“See all XXX apps”->Search for Bank of Scotland (top right is a search icon)->select BoS->“Open by default”, you should see a toggle for “Open supported links” (that should be on) and “X verified link(s)”. If you click the “verified link(s)” bit, does that domain name show in the list?
Interesting - I’ve sent them an email to the support address listed on the Google Play Store for the Bank of Scotland app and linked them to this thread for info.
To confirm this - when the web browser opens, what is the domain name shown? (i.e. “online.bankofscotland.co.uk”
So that would suggest to me that the BoS app should be able to intercept this, rather than having my phone take me to my browser. Do you have any suggestions from here?
Thanks
