It’s all to do with SCA (I think):
2 Likes
I decided not to spoil that surprise 
2 Likes
Humour me… What does SCA mean? 
Edit: googled it… Strong Customer Authentication
1 Like
2.61 fixes the see my card number bug when you have both a personal and joint account 
I’ve also finally learnt how to do a teardown and deep dive 
- just need to figure out how to read the differences from the two versions properly.
5 Likes
NEW – Version: 2.61.0
Disclaimer: things below are subject to change, could just be tests or might be reverted!
Authentication:
<boolean name="require_verification_on_app_open" value="false" />
<boolean name="persistent_access_verification" value="false" />
<boolean name="session_certificates_compatibility" value="false" />
<boolean name="mastercard_mdes_app_activation_method_enabled" value="false" />
<boolean name="overdraft_new_platform" value="false" />
<boolean name="session_certificates_enabled" value="false" />
<string name="upgrade_session_action_chat">Chat with us</string>
<string name="upgrade_session_action_pin_recovery">PIN Reminder</string>
<string name="upgrade_session_body_pin_blocked">Recover your PIN to access your Monzo app and chat with us if you have any trouble.</string>
<string name="upgrade_session_fingerprint_action">Touch the fingerprint sensor</string>
<string name="upgrade_session_fingerprint_title">Sign In</string>
<string name="upgrade_session_logout_action">Log out</string>
<string name="upgrade_session_onboarding_action">Info</string>
<string name="upgrade_session_pin_title">Enter your card</string>
<string name="upgrade_session_title_pin_blocked">Your PIN is blocked</string>
<string name="upgrade_session_use_card_pin_action">Use Card PIN</string>
Monzo Plus:
<string name="monzo_plus_traveller_targeted_marketing">disabled</string>
<string name="monzo_plus_onboarding_basket_pay">Pay</string>
<string name="monzo_plus_onboarding_basket_title">Your basket</string>
<string name="monzo_plus_onboarding_bundle_detail_add">Add to basket</string>
<string name="monzo_plus_onboarding_bundle_detail_documentation_notes">It’s important you read and understand these documents before you add this bundle to your basket.</string>
<string name="monzo_plus_onboarding_bundle_detail_remove">Remove from basket</string>
<string name="monzo_plus_onboarding_bundle_detail_section_price">Price</string>
<string name="monzo_plus_onboarding_bundle_detail_section_price_amount">%1$s a month</string>
<string name="monzo_plus_onboarding_bundle_detail_section_whatsincluded">What’s included</string>
<string name="monzo_plus_onboarding_bundle_overview_call_to_action">Add the bundles that suit your needs.</string>
<string name="monzo_plus_onboarding_bundle_overview_selected_bundles_header">You added</string>
<string name="monzo_plus_onboarding_bundle_overview_subheading">Get even more from your Monzo experience</string>
Adding money:
<string name="add_money_ach_pull_button_format">Transfer %s</string>
<string name="add_money_ach_pull_info_format">This transfer will come from your %s bank account. Visit help to change account.</string>
<string name="add_money_ach_pull_prompt">How much would you like to transfer?</string>
<string name="add_money_ach_pull_success_subtitle">Your transfer will reach your account approximately on the %s</string>
<string name="add_money_ach_pull_success_title">Transfer request successful</string>
<string name="add_money_ach_pull_title">Bank Transfer</string>
<string name="add_money_ach_pull_webview_title">Link account</string>
<string name="add_money_add_salary_prompt_body">Pay your salary into your Monzo account and say goodbye to individual transfers.</string>
<string name="add_money_add_salary_prompt_button">Find out more</string>
<string name="add_money_add_salary_prompt_title">Helping you save</string>
<string name="add_money_amount_bank_transfer_button">Add money via bank transfer</string>
<string name="add_money_amount_button">Add money to your account</string>
<string name="add_money_amount_button_format">Add %s to your account</string>
<string name="add_money_amount_expected_balance">Your balance will be %1$s</string>
<string name="add_money_amount_prompt">How much would you like to add?</string>
<string name="add_money_amount_show_limits">View your limits</string>
<string name="add_money_card_limit_reached_body">To add more money to your account, try making a bank transfer instead.</string>
<string name="add_money_card_limit_reached_body_with_amount">You can only add %1$s a month using a debit card. To add more money to your account, try making a bank transfer instead.</string>
<string name="add_money_card_limit_reached_title">You’ve reached your limit</string>
<string name="add_money_card_single_limit_reached_body">To add more than %1$s to your account, please make a bank transfer instead.</string>
<string name="add_money_confirm_button">Confirm adding %1$s</string>
<string name="add_money_confirmation_subtitle">The money will be in your account in a few seconds</string>
<string name="add_money_error_3ds_unsuccessful">Failed to add money, because 3D Secure was unsuccessful</string>
<string name="add_money_error_card">Failed to add money because the card is invalid</string>
<string name="add_money_error_card_declined">Failed to add money because the card was declined</string>
<string name="add_money_error_card_unsupported">Failed to add money because this card is not supported</string>
<string name="add_money_error_card_unsupported_credit">Failed to add money. Please use a debit card, not a credit card.</string>
<string name="add_money_error_duplicated_initial">This request has already been processed once. Please contact us.</string>
<string name="add_money_error_generic">An error occurred. Please try again (you’ll only be charged once).</string>
<string name="add_money_error_invalid_zip">Failed to add money because the postcode seems invalid</string>
<string name="add_money_google_pay_button_content_description">Google Pay</string>
<string name="add_money_google_pay_failed">Adding money via Google Pay failed. If this issue continues, please get in touch with us.</string>
<string name="add_money_instructions_description">To add money into your Monzo account, you can make a bank transfer from another bank account using the details below.</string>
<string name="add_money_new_card_card_number_hint">Card number</string>
<string name="add_money_new_card_cardholder_name_hint">Name on card</string>
<string name="add_money_new_card_cvv_hint">CVV</string>
<string name="add_money_new_card_description">Please enter the details of the card you’d like to add money from</string>
<string name="add_money_new_card_expiry_hint">Expiry</string>
<string name="add_money_new_card_invalid_card_number">Invalid card number</string>
<string name="add_money_new_card_invalid_cvv">Invalid CVV</string>
<string name="add_money_new_card_invalid_expiry">Invalid date</string>
<string name="add_money_new_card_postcode_hint">Postcode</string>
<string name="add_money_new_card_postcode_required">Postcode required</string>
<string name="add_money_update_details_activity_title">Update details for adding money</string>
<string name="add_money_update_details_info">"Your recent request to transfer money was sent from your traditional bank account to your old Monzo card. We’ve redirected it to your Monzo account this time, but for future payments, please give your other bank your new Monzo details below."</string>
<string name="add_money_via_card_progress">Working on it…</string>
<string name="add_money_via_card_unavailable_body">Something went wrong loading your screen to add money. If this issue continues, please get in touch.</string>
<string name="add_money_via_card_unavailable_title">Adding money via card unavailable</string>
<string name="add_money_with_saved_card_add_different_card">Add a different card</string>
<string name="add_money_with_saved_card_description">Please check this is the card you want to add %1$s from.</string>
Lending:
<string name="manage_loan_content_help_subtitle">Talk to someone at Monzo</string>
<string name="manage_loan_content_help_title">I need help with a payment</string>
<string name="manual_repayment_past_payments_header">Payments made so far</string>
<string name="manual_repayment_upcoming_payments_header">Coming next</string>
<string name="overdraft_explain_my_breakdown_button_title">Explain my breakdown</string>
<string name="overdraft_explain_my_breakdown_dialog_message">We’re switching everyone with an overdraft over to interest-based charges by April 2020. Because you’ve switched early, we’ve worked out the cost of your overdraft in two different ways for %1$s.</string>
<string name="overdraft_explain_my_breakdown_dialog_positive_button">Got it, Thanks</string>
<string name="overdraft_explain_my_breakdown_dialog_title">Explain my breakdown</string>
Pots:
<string name="zero_balance_pots_promotion_button">Add money</string>
<string name="zero_balance_pots_promotion_message">You need to add %s or more for your Pot to earn interest and grow naturally.</string>
<string name="zero_balance_pots_promotion_title">Add %s to earn interest</string>
Other Changes:
```xml
<string name="chat_connection_error">Couldn’t send response, please check your internet connection and try again.</string>
<string name="chat_generic_error">Couldn’t send response, please try again later.</string>
<string name="chat_more_options">More options</string>
<string name="current_uk_account_title">Current account (UK)</string>
<string name="joint_uk_account_title">Joint account (UK)</string>
<string name="monzo_us_account_title">Monzo account (US)</string>
<string name="personal_uk_account_title">Personal account (UK)</string>
<string name="spending_export_fingerprint_auth_subtitle">Confirm fingerprint to export your transactions</string>
Deeplinks:
monzo://pot_deposit
monzo://pot_withdrawal
monzo://add_salary_complete
monzo://add_salary_skip
Monzo Points has also been disabled throughout the app.
6 Likes
An indication that they’re getting it ready to move it to Monzo Plus?
I wonder what overdraft charge percentage we’ll be offered…
They’ve said they’re putting points on hold for a while so no plans to move it to Plus at this stage
2 Likes
Where was that said… Must have missed it.
But cashback and rewards it’s listed as 
to Plus. I thought that was the purpose of Monzo points?
Cash back and points are 2 different things generally
2 Likes
Thanks - I’d accidentally stopped tracking that thread 
2 Likes
Weirdly enough I’m not getting an app update in Play Store for 2.61.1. I’m currently on 2.61.0
My brain combined 2.60.1 and 2.61.0, I don’t think there is one yet, I have updated my post to reflect this.
Thanks for pointng it out.
3 Likes
I wonder if the expanded Google Play review process is going to slow down update release times?
[Edit: Article updated with Google response]
What is actually getting manually reviewed, Do they have thousands of trained software analysts to review the thousands of apps each day?
If it’s all machine learning or AI then why the delay
NEW – Version: 2.62.0
Disclaimer: things below are subject to change, could just be tests or might be reverted!
New assets:
– This is for the SCA welcome screen.
Authentication:
<boolean name="persistent_access_rollout" value="false" />
<boolean name="session_certificates_enabled" value="true" /> <!-- was false -->
<string name="flux_onboarding_fingerprint_auth_subtitle">Confirm fingerprint to connect to Flux</string>
<string name="flux_onboarding_fingerprint_auth_title">Connect to Flux</string>
<string name="flux_onboarding_pin_auth_title">Connect to Flux</string>
<string name="upgrade_session_fingerprint_dismissible_title">Verify for extra security</string>
<string name="upgrade_session_forgot_pin_action">I forgot my PIN</string>
<string name="upgrade_session_info_body">When you log in to the app, and regularly after that, we’ll need you to verify yourself with your fingerprint or PIN.</string>
<string name="upgrade_session_info_title">New security controls to keep you safe</string>
Monzo Plus:
<string name="monzo_plus_core_in_signup">disabled</string>
Adding money:
<string name="pay_early_tap_wallet_instructions">Tap the wallet</string>
<string name="pay_early_wallet_content_descriptor">Get paid early</string>
<string name="paid_early_existing_salaried">enabled</string>
<string name="add_salary_signup_client">disabled</string>
<boolean name="card_activation_salary_nudge_enabled" value="false" />
<string name="deposit_feed_item_subtitle">Money added by debit card</string>
Lending:
<string name="manage_loan_v2_about_your_loan_heading">About your loan</string>
<string name="manage_loan_v2_edit_your_loan_heading">Edit your loan</string>
<string name="manage_loan_v2_how_does_my_loan_work">How does my loan work?</string>
<string name="manage_loan_v2_payment_information_text_block" formatted="false">"%s monthly payments of %s Total interest: %s"</string>
<string name="manage_loan_v2_payment_information_title">Your %s loan</string>
<string name="manage_loan_v2_toolbar_title">Manage</string>
<string name="manage_loan_v2_your_credit_agreement">See your credit agreement</string>
<string name="overdraft_setup_projections_header_amount">Using %s for</string>
<string name="overdraft_setup_projections_header_cost">Will cost you</string>
<string name="overdraft_setup_slider_max">max</string>
<string name="overdraft_setup_slider_min">min</string>
<string name="overdraft_setup_title">"Set up your overdraft limit"</string>
Business:
<string name="business_signup_income_cash_percentage_body">We ask because there’s a limit to the amount of cash we can accept.</string>
<string name="business_signup_income_cash_percentage_range_pattern">%s%% of total income</string>
<string name="business_signup_income_cash_percentage_title">Roughly how much of your income is cash?</string>
<string name="business_signup_income_cash_percentage_toolbar_title">Business Income</string>
Other Changes:
<boolean name="home_budgeting_widget_enabled" value="true" />
^ this sounds useful!
<boolean name="android_subscription_new_details_enabled" value="true" /> <!-- was false -->
<boolean name="bottom_nav_labels_enabled" value="false" />
<boolean name="cash_referral_give_5_get_0" value="true" /> <!-- was false -->
<boolean name="bizops_show_redesigned_card_operations" value="false" />
<boolean name="bizops_combined_cards_orders_panel" value="false" />
<string name="account_header_action_usage_hint">see your account number and sort code</string>
<string name="card_activation_step_one_complete_subtitle">"Your card is now ready to use with the PIN you've chosen."</string>
<string name="card_activation_step_one_complete_title">Step 1 complete!</string>
<string name="card_activation_step_one_toolbar_title">Step 1</string>
<string name="drawer_collapsed_usage_hint">hide actions</string>
<string name="drawer_expanded_usage_hint">see more actions</string>
<string name="pin_recovery_pending_subtitle_dismissible">This usually takes up to 10 minutes. Please check back here later.</string>
<string name="pin_reveal_warning_message">We’ll now show you your PIN. Please make sure that only you can see your screen!</string>
<string name="pin_reveal_warning_title">We’ve verified your identity</string>
Deeplinks:
5 Likes
<boolean name="bottom_nav_labels_enabled" value="false" />
2 Likes
Is this something that you were able to change by diving into the file?
Tough to say which I prefer
I would like to say that I am totally fine without and pretend to be some sort of guru
However, like sometimes having subtitles on the telly, even if I only subconsciously or half read them it does seem to speed up my navigation/understanding
Keeping the text there, but unobtrusive would be my compromise choice, and that seems to be the case with your screenshot there