Surely one of the key features of Monzo is its security - the ability to freeze the card when you know that you are not going to use it for a while, but then instantly unfreeze it when you want to use it.
Why then are refunds to frozen cards rejected? As it is often not possible to tell when a refund is going to be made, the card cannot be unfrozen just for the refund.
What happens in this instance - is the refund attempted again automatically later, or does the merchant need to retry manually?
I’m no expert on this, but I’m assuming that freezing the card essentially blocks it from the payment processor - which means that no payments can go in or out. I’m not sure there would be a workaround here.
To add to @tomsr point you could move any funds on your card into a pot which can’t be spent unless you manually move money back to the card. That way there isn’t really any benefit to freezing it?
I have on occasions had to enter pin for card refunds, so might depend on merchant/reader being used? if it’s active checking the card, or just taking a siggy for the refund?
