Just a thought on the PIN reminder process.
I was recently in Hong Kong, at the till, about to make a payment. Completely went blank as to what my PIN was. I thought, aha! There’s a reminder function in the app!
I didn’t realise that I would need to cancel the transaction, leave the shop, travel across town back to the hotel, retrieve my passport from the room safe and take a selfie before a PIN reminder will be released. I get that you want to maintain security (less said about recent issues the better…) but this is an onerous method. Other apps, like MBNA, Barclaycard etc have a pretty straightforward way of dealing with this. Why is Monzo making it so difficult?
Needless to say, I didn’t use Monzo for the transaction and had to incur huge foreign transaction fees from Amex. (Who also have a very simple PIN reminder function on their app, now I think of it)
I keep toying with fully moving over to Monzo but then little things like this crop up to remind me why I don’t.