Monzo Labs: Share Card Replacements šŸ’³

UK Making Monzo Monzo Labs
63

Thatā€™s also a good idea. However, how would you deal with an automatic replacement for when an active card is about to expire?

65

Does this automatically re-route payments from friends that try and send you money via their bank accounts (Monzo and non-Monzo accounts)?

66

I would say no

This is about the sixteen digit number for the card as used for online payments, which changes when the card is reissued, as compared to the sort code and account number, which does not

4 Likes
67

Good idea this and looks a great implementation, but not for me, card changes are good moments to clear out those recurring charges that I should have ended months ago

3 Likes
68

Did you turn the feature on in Labs before activating the new card?

How long ago did you activate it?

1 Like
69

Didnā€™t seem to work for me either. Ended up doing it myself.

Activated my card after I turned this feature on in labs.

70

My feelings exactly. Iā€™ve recently had this happen with Kickstarter despite not being opted in to this feature and itā€™s pretty unnerving. Iā€™d never use it.

71

Toggle of which merchants you want to re-authorise and which ones you donā€™t I think would be incredibly sensible

72

Amex have done this for years - albeit in a different way than Monzo & Mastercard do it.

Certain authorised retailers can charge your Amex account number (itā€™s the card number but without the last 4 or 5 digits which change on card replacement) rather than the card number and this avoids any issues when replacements are needed.

73

Cross posting here for reference:

Kickstarter could be (ab)using the Continuous Payment Authority system, which is different to this labs feature, as a way of increasing the likelihood of charging you successfully for a pledge when the pledge date and the charge date could be a long time apart.

76

I wish it had existed when I ordered my Investor card.

77

Has anybody worked out how long this takes for vendors to update their systems? I activated my new card yesterday and had this labs feature turned on since mid-December.

Apple have started complaining at me today that I have an invalid card. Iā€™m tempted to wait it out but canā€™t currently download anything from iTunes.

Also amazon and Netflix showing no change.

78

I saw no immediate (as in within a few hours) change in Netflix or anywhere else while having the Labs change on and activating my new Investor card

Updated it manually to avoid any issues

79

GoDaddy didnā€™t work for me. Got a payment failure email recently for a failed renewal, had to update payment manually. Netflix, Spotify worked fine.

80

Do you recall timeframes? Immediately? Hours? Days?

81

Lost my card on 16-Dec, got new one at some point that following week before Xmas. First used new card physically on 21-Dec.

GoDaddy failure email arrived on 1-Jan. Spotify and Netflix successfully charged my card recently after 1-Jan. I canā€™t tell at what point details changed, I just sat back and waited to see what would happened if I did nothing.

Uber failed before I received new card while lost one was frozen and I manually changed to a credit card to get me going. Cannot tell if it would have worked or not.

Edit: Also bought something from Amazon on 2nd and saved card was older one. Had to manually change there too.

83

Interesting one here - I requested a new investor card back in December and then switched on this labs feature when it first became available.

I havenā€™t gone around updating my details but just now Iā€™ve had a notification that my Spotify subscription has been billed. Iā€™ve logged into my account to check and once you skip past a few warnings about them not being able to take payment I can see that they have my new card details in there.

So two observations with this - it looks like this WILL work even if you switch the feature on after requesting a card, and it looks like with Spotify at least, they only detect the new card after trying and failing to take payment.

Iā€™ve got Dropbox and Netflix due out soon so Iā€™ll see what happens with them.

Edit: I just remembered that I had to update Netflix manually last month.
As for Dropbox, Iā€™ve just logged into my account and I can see from the last 4 digits that they already have my new card details so it looks like that works too!

2 Likes
84

Activated my new card yesterday. So far not received any notification of update. It hasnā€™t updated on Amazon or Paypal and Curve.

Didnā€™t expect Curve to work, but did expect the other two.

Edit: So far, absolutely nothing has seen to updated. Notably Amazon, Paypal, O2 and iTunes.

85

Paypal and iTunes didnā€™t work for me. Amazon order just made so will update depending on how that goes.

Seems like this is pretty spottily implemented by the industry at present.

86

Had the feature turned on and activated my new card.
So far i have had to update amazon manually as i needed to buy something.
Uber hasnā€™t updated and has been a week.
I will keep checking to see when it updates.

1 Like