Renewing a topup card

(Mike Laurie) #1

When the debit card you’ve used to topup your card has expired, it would be great if …

  • There was a reminder notification to tell you to change it.
  • When you change it, rather than adding an entire new card, it just asked for the new expiry date and CVS. I shouldn’t have to enter an entire new card in.

( related to Monzo CEO, Investor in Monzo ) #2

don’t you get a new 16 digit number on the new when your card has expired as well ?

(George) #3

Ideally for point 1, it should be seamless. We shouldn’t have to do anything, it should just happen in time :slight_smile:

On your second point, I think this would probably go against the current mechanism for how new cards are created. But in an ideal world that would be easier!

Maybe Mondo could send out a message to companies that stored your card details (like Amazon) to say it is updated to the new card number…

(James Billingham) #4

Now that Mondo is using Stripe, this should happen automatically. Most card issuers notify Stripe if your card has been renewed with a new expiry date without the card number changing. They actually don’t need to collect the CVV again in this case.

(Mike Laurie) #5

Nope. My 16 digits stayed the same. Only thing that changed was the expiry data and the security code on the back. I noticed that Amazon lets you changed just these two numbers when you update an existing card.

(Frank) #6

I had an issue relating to a card connected to Apple Pay. I received a renewal and when I tried adding to Apple Pay it stated it already existed (card number etc all the same). So thought nothing of it. Then trying to top up Mondo with that card through Apple Pay it was declining.

To resolve the issue I had to delete and re-add the card to Apple Pay but there were never prompts from Apple or my card issuer (that I noticed) explaining I needed to do this.

It would be good if Mondo know the card is expired and provides this context when a top up fails but I am not sure if they are allowed to?

(Rika Raybould) #7

Sigh, banks are supposed to either automatically push you an updated card or invalidate the existing card in Wallet so you can’t even get that far before noticing but it seems like many UK banks aren’t holding up their end of the deal.

(Herp Derp) #8

MetroBank use the same card number again and just change the date and the CVV.

(Matt) #9

Apologies for going slightly off topic, but yes when Mondo rejected my Apple Pay top up recently it was because I had received a replacement debit card, and the details had not automatically been pushed to Wallet. Had to delete and re add the card. Nothing more than a minor inconvenience, but am sure we won’t have such problems when Mondo rolls out Apple Pay :joy: