Monzo for Android - Teardowns & Deep Dives 👨‍💻

[kolok]

I haven’t seen this mentioned and probably not worth a new thread, but I noticed that android had the option to unlock with the card pin when biometrics failed, which is in an issue for me too often with wet or dirty hands, so I was happy to see it.

Thing is I can’t reproduce seeing that option now , has anyone seen this option?

[davidwalton (Award Winning Hot Coral Analyst)]

That option is not there for me currently ( beta)

[kolok]

I’m on the android beta too, but I still can’t get the option again, I didn’t clickon it and clicked retry for biometrics, and when I went back to have a look it was gone.

When I unlocked the app I had the new tabs, so maybe it was updating or something and caused it to not be able to contact the fingerprint API ?

That or I was dreaming.

[Ordog]

Version 3.81.0 (60.28 MB) - Applying for a Monzo overdraft? We can now check your income through Open Banking (if it’s paid into a supported bank), meaning there’s a better chance we can offer overdrafts to more people.

Plus, you can now download a single bank statement that covers the last 3 months or one that covers all time in Statement History.

New Strings:

<string name="bill_split_reminder_sent_confirmation">We’ve let them know</string>

<string name="choose_feature_completed">completed</string>
<string name="choose_feature_done">Done</string>
<string name="choose_feature_skip">Skip</string>

<string name="declined_authentication_abandoned_by_cardholder">You didn’t approve this payment in time</string>
<string name="declined_authentication_expired">You approved this payment a while ago</string>
<string name="declined_authentication_rejected_by_cardholder">You declined this payment</string>
<string name="declined_authentication_reused">We stopped you being charged more than once</string>
<string name="declined_authorization_amount_higher_than_authentication_amount">We stopped you being overcharged</string>

<string name="drawer_credit_pot_manage_tab">Manage</string>
<string name="edit_accounts_closed_pots_action">Closed Pots</string>

<string name="intl_convenience_fee">convenience fee</string>
<string name="intl_exchange_rate">live exchange rate</string>

<string name="intl_payment_toolbar_balance">Balance %s</string>
<string name="intl_payment_toolbar_title">International transfer</string>
<string name="intl_source_amount_label">You send</string>
<string name="intl_target_amount_label">Recipient gets</string>
<string name="intl_wise_fee">Wise fee</string>

<string name="invoice_action_change_invoice_status">Change invoice status</string>
<string name="invoice_action_share">Share invoice</string>
<string name="invoice_action_void">Void invoice</string>
<string name="invoice_created_download_pdf_button">Invoice PDF</string>
<string name="invoice_created_primary_button">Share invoice PDF</string>
<string name="invoice_created_secondary_button">Save and share later</string>
<string name="invoice_created_subheading">Choose how to share with your customer, or access later from the invoices tab</string>
<string name="invoice_created_title">Invoice created</string>
<string name="invoice_details_download_pdf_button">Invoice PDF</string>
<string name="invoice_details_options_bottomsheet_title">Invoice options</string>
<string name="invoice_dowloading">Downloading…</string>
<string name="invoice_due_tomorrow">Due tomorrow</string>

<string name="invoice_status_title_sent_or_open">Due</string>
<string name="invoices_all_empty_title">All invoices</string>

<string name="payees_hub_pay_international_subtitle">Powered by Wise</string>
<string name="payees_hub_pay_international_title">International transfer</string>

<string name="pot_add_image">Add image</string>
<string name="pot_change_image">Change image</string>

<string name="settings_open_banking_income_verification_privacy_title">Decisions using Open Banking privacy notice</string>
<string name="settings_open_banking_income_verification_terms_title">Decisions using Open Banking terms</string>

<string name="sms_verification_error_message_invalid_phone_number">Code incorrect, please try again</string>

<string name="statement_custom_period_button_text">Custom date range</string>
<string name="statement_history_all_time">All time</string>
<string name="statement_history_date_to_date">%1$s – %2$s</string>
<string name="statement_history_date_to_present">%s – Present</string>
<string name="statement_history_export_shortcut_header">Export shortcuts</string>
<string name="statement_history_last_three_months">Last 3 full months</string>
<string name="statement_history_this_month_title">Current month to date</string>

Removed Strings:

<string name="invoice_action_void">Void</string>
<string name="invoice_status_title_sent">Awaiting payment</string>
<string name="invoices_all_empty_title">Sent invoices</string>

<string name="overdraft_information_title">Overdraft Information</string>

<string name="pot_change_image">Change Image</string>

<string name="settings_notifications_subtitle">We’ll always send you notifications for failed transactions and other important things.</string>
<string name="settings_open_banking_income_verification_privacy_title">Decisions using open banking privacy notice</string>
<string name="settings_open_banking_income_verification_terms_title">Decisions using open banking terms</string>

<string name="statemen_custom_period_button_text">Customise date range</string>
<string name="statement_custom_header">Custom statement</string>
<string name="statement_history_current_balance">Current balance – %s</string>
<string name="statement_history_this_month_date">%s – Present</string>
<string name="statement_history_this_month_header">This month</string>

New ID’s:

<item type="id" name="actionValueText" />

<item type="id" name="editActionItemLayout" />

<item type="id" name="homeCardHeaderPill" />

<item type="id" name="invoiceCreatedAmountTextView" />
<item type="id" name="invoiceCreatedBusinessLogoImageView" />
<item type="id" name="invoiceCreatedBusinessNameTextView" />
<item type="id" name="invoiceCreatedButtonsFooter" />
<item type="id" name="invoiceCreatedDescriptionTextView" />
<item type="id" name="invoiceCreatedDownloadPdfButton" />
<item type="id" name="invoiceCreatedDownloadPdfLoadingView" />
<item type="id" name="invoiceCreatedNumberTextView" />
<item type="id" name="invoiceCreatedStatusPillTextView" />
<item type="id" name="invoiceCreatedToolbar" />
<item type="id" name="invoiceDownloadButtonTextView" />

<item type="id" name="legacyOverdraftIntroToolbar" />

<item type="id" name="multiSelectContactRadioButton" />

<item type="id" name="overdraftIntroAppBarLayout" />
<item type="id" name="overdraftIntroBannerImage" />
<item type="id" name="overdraftIntroBodyTextView" />
<item type="id" name="overdraftIntroCollapsingToolbarLayout" />
<item type="id" name="overdraftIntroRecyclerView" />

<item type="id" name="peerPaymentButtons" />
<item type="id" name="peerPaymentToolbar" />

<item type="id" name="reminderButton" />

Removed ID’s:

<item type="id" name="accountHeaderPillContainer" />
<item type="id" name="homeCardHeaderPillIcon" />
<item type="id" name="homeCardHeaderPillLabel" />

<item type="id" name="jointAccountsChooseContactContainer" />
<item type="id" name="jointAccountsConfirmContactButton" />
<item type="id" name="jointAccountsConfirmImageView" />
<item type="id" name="jointAccountsConfirmInfoText" />
<item type="id" name="jointAccountsConfirmName" />
<item type="id" name="jointAccountsConfirmTitle" />
<item type="id" name="jointAccountsConfirmToolbar" />
<item type="id" name="jointAccountsInviteDescription" />
<item type="id" name="jointAccountsInviteLoadingErrorView" />
<item type="id" name="jointAccountsInviteRecyclerView" />
<item type="id" name="jointAccountsInviteToolbar" />
<item type="id" name="jointAccountsPostponeButton" />

<item type="id" name="loadingContainer" />

<item type="id" name="multiSelectContactCheckbox" />

<item type="id" name="peerPaymentButton" />
<item type="id" name="peerPaymentLoadingView" />

<item type="id" name="phoneNumberEditText" />
<item type="id" name="phoneNumberInputLayout" />
<item type="id" name="phoneUpdateContent" />

<item type="id" name="smsSendButtonFooter" />
<item type="id" name="smsSendToolbar" />

<item type="id" name="verificationCodeEditText" />
<item type="id" name="verificationCodeInputLayout" />
<item type="id" name="verificationMessage" />

New Assets:

Minus Symbol

Invoice Created Sparkle (3rd time lucky? )

Changed Assets:

None

Deleted Assets:

None

[davidwalton (Award Winning Hot Coral Analyst)]

@Ordog

<string name="drawer_credit_pot_manage_tab">Manage</string>

Hint at upcoming credit pot, rather than credit card maybe

[Alexxxxx (>50 categories pls)]

Oh very interesting

[Peter_G]

Ooh, I wonder if you would be able to hook a virtual card (or even your physical card) to a credit pot - a bit like we think you might be able to for normal pots in the future? That might even give you s75 protection, too, and be useful for things like hotels and car hire…

[Jays6]

That would be sick. I imagine you would be able to transfer money out of the pot into current account balance. Every month there’s a automated payment similar to subscriptions for plus and premium to clear the balance

[davidwalton (Award Winning Hot Coral Analyst)]

My Spidey-sense is tingling

Credit pot which works with either Current account (all customers) or Virtual card (Plus/Premium users) and allows s75 protection, can distribute available credit to other pots/account and has a repayment system which can be automated (like the Monzo loan workflow). Physical card optional with non Plus/Premium customers and can be obtained on request by Plus/Premium customers. Gotta keep the income streams streaming.

But will it work with Joint Accounts?

[Rat_au_van (Em)]

@davidwalton

But will it work with Joint Accounts

No

[Peter_G]

@davidwalton

Credit pot which works with either Current account (all customers) or Virtual card (Plus/Premium users) and allows s75 protection, can distribute available credit to other pots/account and has a repayment system which can be automated (like the Monzo loan workflow). Physical card optional with non Plus/Premium customers and can be obtained on request by Plus/Premium customers. Gotta keep the income streams streaming.

This would be brilliant. Get rid of overdraft and move that to credit pot. Ability to use a pot with a credit balance as a credit pot instead. Job’s a good’un.

@davidwalton

But will it work with Joint Accounts ?

Now you’re in fantasy land.

[Addzy]

@Peter_G

Ability to use a pot with a credit balance as a credit pot instead.

I Maybe wrong but you couldn’t then get S75 on this could you? Isn’t the point of S75 to protect you when you’re borrowing the money to pay for something

[Peter_G]

Not in that circumstance. But it’d give you the option to basically have an offset pot / provide your own overdraft.

[Peter_G]

@kolok

I noticed that android had the option to unlock with the card pin when biometrics failed, which is in an issue for me too often with wet or dirty hands, so I was happy to see it.

Thing is I can’t reproduce seeing that option now , has anyone seen this option?

So I’ve just seen this!

When activating the new tabs in Labs, the app locked (I don’t have it set to lock by default) then in the bottom left (I think) there was a “default to card PIN” (or similar wording) option.

Alas I didn’t have the presence of mind to get a screenshot, but the process might be repeatable…

[kolok]

So I wasn’t going crazy

I still haven’t managed to reproduce it though.

[davidwalton (Award Winning Hot Coral Analyst)]

3.82.0

[Ordog]

[Ordog]

Version 3.82.0 (60.31 MB) - We’ve made the information about how we process cheques a little clearer.

New Strings:

<string name="add_money_cheques_business_instructions">"Make sure your business name is on the cheque and you’re paying in British Pounds. 

1. Write your account number %1$s and sort code %2$s in the top left corner on the back 
2. Take a photo of the front and back of the cheque so you have a copy 
3. Put a return address on the back of the envelope (just in case) 
4. Put a stamp on the envelope and post your cheque to: 
%3$s 

You can’t pay cheques in at a Monzo office and we don’t accept traveller’s cheques."</string>
<string name="add_money_cheques_details_title">Paying in a cheque</string>
<string name="add_money_cheques_instructions">"Make sure your legal name (or an abbreviation of it) is on the cheque and you’re paying in British Pounds. 

1. Write your account number %1$s and sort code %2$s in the top left corner on the back 
2. Take a photo of the front and back of the cheque so you have a copy 
3. Put a return address on the back of the envelope (just in case) 
4. Put a stamp on the envelope and post your cheque to: 
%3$s 

You can’t pay cheques in at a Monzo office and we don’t accept traveller’s cheques."</string>
<string name="add_money_cheques_po_box_address">Monzo, PO Box 77625, London, EC2P 2SU</string>
<string name="add_money_option_cheque_desc">Takes 4–6 working days</string>

<string name="add_money_processing_cheques_action">We process cheques in 4–6 working days</string>
<string name="add_money_processing_cheques_body">"We’ll send you a notification once we’ve got your cheque and we’ve started processing it. 

From there it’ll take 4–6 working days for the money to appear in your account. 

Some cheques may take longer to process because of any extra checks we have to make. We’ll get in touch if we need information from you to process your cheque."</string>

<string name="closed_pots_empty_message">You don’t have any closed Pots</string>
<string name="closed_pots_reopen_savings_pot_body">You can’t reopen Savings Pots as they’re powered by a third party. You can open a new one to earn interest on your money.</string>
<string name="closed_pots_reopen_savings_pot_secondary_button">Show me savings options</string>
<string name="closed_pots_reopen_savings_pot_title">Can’t reopen Savings Pots</string>
<string name="closed_pots_title">Closed Pots</string>

<string name="custom_category_onboarding_button">Create custom category</string>
<string name="custom_category_onboarding_description">"Are you spending hundreds of pounds on coffee without realising? Create your own custom categories to track those lattes, new pet supplies or whatever else you suspect is costing you a fortune.

Understand your spending habits better by creating a custom category."</string>
<string name="custom_category_onboarding_title">Create a custom category</string>

<string name="intl_arrive_date_prefix">Should arrive</string>
<string name="intl_currency_group_all">All</string>
<string name="intl_currency_group_popular">Popular</string>
<string name="intl_currency_search_content_dec">Search currencies</string>
<string name="intl_currency_search_placeholder">Search</string>
<string name="intl_currency_selection_title">Choose currency</string>

<string name="vc_list_onboarding_description">"Worried about some of the websites you are shopping on? A virtual card lets you pay without revealing your physical card details to potential fraudsters.

Shop online more securely by creating a virtual card."</string>
<string name="vc_list_onboarding_title">Get protected with a virtual card</string>

Removed Strings:

<string name="add_money_business_cheques_action">Learn more about paying in cheques</string>

<string name="add_money_cheques_business_instructions">"Write your account number %1$s and sort code %2$s in the top left corner on the back of the cheque. 

The name on your cheque should match your legal name if you’re a sole trader or your company’s registered name if you’re a limited company. 

Write FREEPOST MONZO on the front of the envelope and put it in the post. No need for a stamp! 

The money should arrive in your account in roughly 2–3 weeks. 

Please note, you can’t pay in cheques at Monzo offices."</string>
<string name="add_money_cheques_details_title">Paying in a cheque</string>
<string name="add_money_cheques_instructions">"Just write your account number %1$s and sort code %2$s in the top left corner of the back of the cheque. 

Then pop it in an envelope and write FREEPOST MONZO on the front and post it. No need for a stamp! 

Once we’ve received the cheque, we’ll put the money in your account in 5 working days! 

Please note, you can’t pay in cheques at Monzo offices."</string>

<string name="add_money_high_value_cheques_action">Cheques for large amounts</string>
<string name="add_money_high_value_cheques_msg">"For high value cheques, you may feel more comfortable sending them via a trackable postal method - you can send these to our usual address: 

Monzo, Broadwalk House, 5 Appold St, London, EC2A 2AG 

Please write your account number and sort code clearly on the back of the cheque, in the top left hand corner so that we can easily link it to your account. 

Once we’ve received the cheque, it will take 5 working days to be processed."</string>
<string name="add_money_high_value_cheques_title">High value cheques</string>
<string name="add_money_option_cheque_desc">Takes 5–7 working days</string>

<string name="add_money_pricing_label_free">Free</string>
<string name="add_money_pricing_label_with_fee">%1$s fee</string>

<string name="custom_category_onboarding_button">Create category</string>
<string name="custom_category_onboarding_description">With custom categories you can see exactly how you spend. Create a few based on how you spend and you can add them to your transactions.</string>
<string name="custom_category_onboarding_title">Add some custom categories</string>

<string name="vc_list_onboarding_description">"Keep your real card details safe from fraudsters by using virtual cards for making one-off and regular payments.

You can even set a date for us to automatically delete a virtual card. Great for managing free trials."</string>
<string name="vc_list_onboarding_title">Virtual cards, explained</string>

New ID’s:

<item type="id" name="detailsLayout" />
<item type="id" name="multiSelectContactCheckBox" />

<item type="id" name="optionDetailsBankImage" />

<item type="id" name="questionCheckBox" />

<item type="id" name="vcCreateButtonContainer" />

Removed ID’s:

<item type="id" name="optionDetailsPricingText" />

<item type="id" name="optionDetailsSecondButton" />

New Assets:

Closed pots empty

Changed Assets:

None

Deleted Assets:

Cheque:

Cheque Light

[Ordog]

The super long strings make it all look a bit messy, so a quick summary:

Cheques

• Cheques now take 4-6 days for processing instead of 5-7
• They’ve added a disclaimer that it might take a bit longer and they’ll be in touch if that’s the case
• They no longer suggest sending higher value cheques tracked
• They specifically state no travellers cheques
• They want you to add a return address on the back of the envelope
• No more freepost address - you need to stick a stamp on.

Pot History???

See a log of all the pots you had and reopen them if they’re not a 3rd party one?

<string name="closed_pots_empty_message">You don’t have any closed Pots</string>
<string name="closed_pots_reopen_savings_pot_body">You can’t reopen Savings Pots as they’re powered by a third party. You can open a new one to earn interest on your money.</string>
<string name="closed_pots_reopen_savings_pot_secondary_button">Show me savings options</string>
<string name="closed_pots_reopen_savings_pot_title">Can’t reopen Savings Pots</string>
<string name="closed_pots_title">Closed Pots</string>

They finally decided on the wording to describe virtual cards (which they asked our opinion on)

Worried about some of the websites you are shopping on? A virtual card lets you pay without revealing your physical card details to potential fraudsters.

Shop online more securely by creating a virtual card.

Get protected with a virtual card

[nathanthomson8 (Nathan)]

Still dont like them removing freepost.

Monzo now are the only uk bank i belive where it costs you both to put cash and a cheque into your account

Hardly a good tagline