Not sure how complex it is to set this up, but I really like the behaviour of Curve in terms of being able to carry one card and moving transactions between different cards.
Could Monzo adopt similar behaviour for those of us that have a current account and a joint account? And perhaps eventually for spending from pots as well? It would be great to have one Monzo card to rule them all and be able to spend from my different accounts with that.
EDIT: Open Banking (when it arrives) may provide the tools for banks to access other banks to âswapâ information via secue APIâs - in theory enabling this or a similar scenario. But weâre at the mercy of the banks to implement such features.
1 Like
Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
3
It seems to make sense. I doubt youâll see it happening soon, as I suspect that the behind the scenes work would be quite complex. There could also be regulatory issues to overcome.
I hope this isnât classed as off-topic but Iâve had issues with my Curve card not being accepted online, at places like the Playstation Network store. Never had an issue with Monzo.
1 Like
Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
6
This is usually because the retailer requires 3DS-enabled cards. At the moment, Curve doesnât support 3DS but has plans to in the future.
So thatâs all I can think of.
Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
8
I donât know the technical details, but I do know Iâve been a bank customer for over 40 years, and the only bank which has ever failed to make a payment was Monzo. And on more than one occasion.
Care to share more about which merchants youâve had trouble with? Did you post in Help at the time?
Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
10
The most recent was Smarty. It was a 3DS issue, but it wasnât resolved (I used Curve and it worked fine). Another was a car park in Hertfordshire; I reported it the first time, but nothing had changed a few months later.
It means I never âtrustâ Monzo, and Iâm always pleasantly surprised when it works (which is over 99% of the time, to be fair)
Oh, another time was a shop where I made a contactless payment, but managed to leave without paying. I spoke to the shop on the phone, but my card got frozen when trying to make a payment. Curve came to the rescue again.
Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
12
I was chatting with the shopkeeper, and all I can say with certainty is that a piece of paper came out, which he put in the till. They donât automatically offer, and I wasnât expecting, a receipt so I just took my goods and left.