Jami has said that the PIN is going to be a fallback for biometrics, and Monzo’s not given any indication that they plan to make locking the app a requirement. A section of Monzo users (myself included) have already made abundantly clear in this thread and others that they don’t want to be required to have a fingerprint or PIN lock on the app. And others have made clear that they want the option.
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Is my Monzo and phone secure now? 
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Nope. Some bolt cutters will take care of that in seconds. Strong encryption, properly implemented. It’s the one thing we know works 
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On iOS
Settings -> Apple ID -> Name, Phone Numbers, Email -> Date of birth right there
And it’s probably correct because you need it to download apps with restrictions and stuff like that.
I’m surprised that nobody here has mentioned that FaceID has apparently been fooled. I would really rather have a second line of defense even though I haven’t uploaded 3D scans of my face on the interenet!
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For me, Face ID is all a bit gimmicky. I guess if anyone was really serious about security like that, iris scanning is the one I think? Not sure that could be done with a mobile, but every year Apple have to improve something to appease it’s customers. Every year all mobile phones and features have to be improved upon, but I think some are not always for the best!!
I was under the impression that Face ID only came about because Apple couldn’t master putting a screen wide fingerprint sensor for Touch ID, and then this seemed to be mentioned?? I’d rather have the fingerprint sensor, at least until Face ID has been considerably improved. The Galaxy S8 has nothing Face ID and a rear fingerprint sensor, seems quite sensible.
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I was more talking about this thread specifically as part of the defence of no second layer is that OS security is good enough.
Which brings me to this, best hope if I buy an iPhone X that Brad Pitt never gets a hold of it!
That was my initial thought, but now I have to say it is way better than touch ID.
The face ID on the galaxy was simply picture based and trivially defeated.
The thing with the Face ID is that the threat presented is far less concerning than the real scary bit - it’s much easier to get someone to look at their phone once you take it than to get their finger on the sensor…
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My chum that has the Galaxy says there’s different levels of scan, some take longer so most just take the easy quick (less secure) option. Which defeated the object for me.
I guess Face ID etc will become the norm, I don’t but new phones anyway, so it’ll be a good few years before it falls into my price range. I’m not paying crazy money for the iPhone X, my 6s does me just fine!!
Part of the joy is that it is so transparent - well designed apps simply pass through the ID stage without you even noticing.
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For that case, we need a ‘hey siri, activate self destruct sequence’
(I should patent this!)
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On iOS repeatedly pressing the power button 5 times disables Touch ID and falls back to password, so I assume it applies to Face ID as well. You can use that in a bad situation to prevent Face ID being abused.
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I didn’t know that was a thing. I tried it out and it gave me three options: to power off, medical ID, emergency SOS.
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It also disables touch/face ID
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Yeah which is quite nice you can quickly call 112 without having to type it, just swipe the emergency slider.
Is there a specific popup that tells you it’s been disabled?
Just tried on my iPhone 7 and it doesn’t tell you anything besides prompting to shut down or call emergency services, however after dismissing that and trying to unlock the phone it instantly fails Touch ID (it even lies and says it doesn’t recognise your fingerprint 
) and asks for a passcode.
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Is there any chance Monzo could look at auto sign out of the application after a certain amount of time of activity by choice of the customer? Similar to what Halifax and Lloyd’s do. Refer to screenshot; 