Monzo backend services are whirring away like a busy bee while we sleep (or at least try to). To my knowledge, these are when various types payments are made.
BACS hit my account at 1am
Pot withdrawals occur at 2:30am
Standing orders occur at 3am
Pot transfers occur any time between 3am and 5am
DDs come out any time between 3am and 6:30am
The problem is a lot of us have phones charging near us in bed and when withdrawals are made on our account the phone screens brightens up and a loud notification wakes us from our slumber. There are manual solutions like system setting to turn off notification alerts/sounds, move the phone etc. However Iāve twice had fraudulent activity on my account at night. The notification that awake me was a godsend in being able to freeze my card and watch the criminal make ever decreasing attempts to withdraw cash unsuccessfully. So Iām quite attached to the notifications when a standard attempt for payment is attempted. Could I request a feature in the app that mutes night-time notifications for BACs/StandingOrder/DD so I (and I presume others) can get a good night sleep? Thoughts?
I suppose the only option, until Monzo takes a look at this, is just be more vigilant in where and who your giving your card/bank details out too so you donāt become a victim of fraud.
This is such a niche request that will probably be helpful to handful of people, itās not that they donāt care or arenāt concerned, itās that they have more important things to be doing that would add far more benefit.
This sounds like a sensible request; I know people many people who need to receive some alerts during the night, and continuing to receive normal payment alerts in case of fraud makes sense, but being able to silence the alerts for āexpectedā transactions like DD/SO for a time window to allow sleep makes sense.
to be clear, the first fraud was with a previous bank. so once with Monzo. I think it happened while traveling but as we can all appreciate the fraud dept do not give out any details on their investigations so itās hard to be sure. Thinking out loud, this was before 2-factor authentication was rolled out, which Iām sure has helped reduce risk further. I guess, in asking this, is to ascertain how much of an issue it is for others. As I have no idea how widespread this issue is (notifications not fraud).
