Cannot log into my monzo account after asking .e to enter email and a magic link will be sent to my email to log in no email has arrived been over 30 mins anyone else having this problem?
is it in your junk folder ? if it is it probably wonât work as it has a life span I believe - after 10 mins it doesnt work ( ??? ) so you would need to delete from your email and re apply for a magic link
Also make sure you havenât made a typo or anything in your email address.
Iâm not even getting any emails sent anymore I have pressed re send email over a dozen times I have also double and triple checked the email is exactly right this is very frustrating as I need to pay for something and I cant access my account
similar problem ??
A 10 minute life span is a bit unrealistic given the slower nature of email delivery vs SMS. Iâve only had to request a magic link from Monzo twice in the past 2 or so years, so I havenât experienced an issue yet. But Bulb also use the same technology, which I request regularly. Sometimes the emails are instant, but other times (probably due to the methods iCloud use to protect users from spam and phishing) they can be delayed by up to hours.
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I got the 10 minute expiry from here - 
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Sorry, I wasnât doubting your claim; Essentially just highlighting the absurdity of the limit given that theyâre using email rather than SMS. Neither are really a secure way for transmitting a link that directly logs you into an account though. SMS is faster, more reliable, and harder for malicious entities to intercept, although useless if you lose access to your phone, which i presume is when people are likely to request a login link.
Probably also worth noting these email are identified as junk by iCloud. You wonât get any kind of notification or push updates. You have to go to your junk folder inside iCloud and manually check for new mail before it will show up.
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It really isnât. Almost all transactional emails (which is what this is, as opposed to marketing emails) are within 30 seconds IMO.
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Usually yes, especially when they are distributed between individuals, but networks are complicated systems and as such emails can be delayed for a multitude of reasons. SMS isnât as prone to this.
However, given the volume and shared origin of magic link emails, they can and do appear as red flags to email service providers, which can and does result in their systems delaying them significantly. Marketing emails are typically done in batches to avoid this, which is why those are slow.
In your experience, you may receive them quickly, which is great and ideal, but itâs not a matter of opinion. it is the factual reality of the way email, in general, has always worked.
You are talking to someone who sends over ten million a month, I know how both transactional and bulk emails work 
.
SMS is not the holy grail. Cell networks have outages - sometimes for many many hours.
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Iâm not proclaiming it to be the âholy grailâ, just that given the time limit, and the issues surrounding email, that it may be a more reliable option. It certainly has been for other systems Iâve developed and used. I donât think either are suitable solutions in this case though on the basis of security.
Oh I agree with that. I donât like Magic Links in general, not just Monzo using them.
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They not perfect some email clients you would get them in spam so unless you look you wonât know and wonât get any notification. They is a time limited as well.
Maybe they could offer sms as a back up just in case you dint get the magic link.
I actually think allowing the user to set an optional password would be a better, more secure backup. Modern mobile operating systems allow the device to save and remember their app passwords anyway, so for me, magic links arenât really solving a problem. But allowing the user to have a regular password as an option, would be the only real and secure way to prevent potential reliability issues with email and SMS delivery.
Frankly, email nor SMS are secure enough for full authentication and access in my view, but SMS can work for 2FA as the second factor.
Yes I agree with you
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2FA - Both interesting and worrying at the same time;
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