anyway wot you doin here - 
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I did read the thread, once again, you bought this up -
I might not post much now but that doesnât mean Iâm not lurking 
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Please stop 
this
Its just getting off topic if someone is not happy I think they can get in touch with CS directly for an answer.
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I have an iPhone, it has TouchID it also has a 6 digit pin therefore my phone is secure enough.
If you have no security on your phone then sorry but you are just dumb.
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Iâm quite new here and Iâm just posting an opinion so please ignore it if you want and Iâm sorry if it annoys you. I just thought you may want to know how a new third party views your posts in this thread. If so, please read on
Itâs not your view that is the problem but IMO but the way that you are presenting it. It comes across argumentative to me, as though âyou are rightâ and âeveryone who disagrees is wrong and needs to know itâ. I donât get that vibe from everyone elseâs posts here - they feel like they are sharing theri opinion and not trying to convince people of facts
No one it right or wrong on this issue, its opinion of course! As are most things in life
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I think this thread shows very clearly that there are people who passionately believe that the Monzo app requires greater security, and those who believe it doesnât.
Surely, as has been suggested, the best option would be for Monzo to offer additional security options for those who are more comfortable with that (as long as those who use the additional security and those who donât are treated the same in the event if any fraud)
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TouchID is great if you have the hardware. I donât so I use Norton App Locker which recommended on another thread by user @anon44204028
But every phone has a pin function thoughâŚ
that just for the whole phone but Norton App Locker can lock individual apps
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I like that I can secure the Monzo app but I can see why people arenât bothered too.
My phone auto locks after 30 seconds so the odds of someone getting into it are pretty low anyway. If I hand the phone to either of my children itâs generally on guided access mode.
you are taking this guy out of context by selectively quoting part of his post.
He did not âbring that upâ but was quoting it as part of a reply and you should prefix the quote with ⌠to signify you have chosen to omit some words and it therefore only a partial sentance not a whole one.
So the quote should read:
ââŚsecuring the app with password or pin or making steps in the app have aditional security layersâ
Then other users can see where text omitted.
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Echoing @alexs point that there will be additional security introduced with the CA app, so harping on and on about how Monzo doesnât listen/ there is no security isnât true. It is a functionality that is coming, and developing additional security for the prepaid app seems a bit pointless since weâre going to be all moved over within the month and developers are focused on the CA.
I personally am not accustomed to the email login but it is very convenient and itâs secure. I would hate if Monzo mailed you recovery details or your new password via post- I forgot one of my online login details or the 3D secure thing (who knows, too many things to answer while logging in) and it had to be posted to me 
took ages as well!
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The reality is he is not bringing it up again and again in the same thread. He has brought it up in different threads that were then merged. He has given a reply to a user when they mention the subject rather than trying to reinitiate discussion himself. He brought it up when speed of starting Starling app was discussed as he felt their use of security on start up was slowing the load of that app, which is a totally separate issue to him wishing to discuss security of data in the Monzo app. While his opinion may differ from yours I feel the critisism of his postings have been taken out of context of what threads they originally in and if they were self initiated or responses.
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Iâd be happy to point out every other post where the PIN / app security has been bought up since this was first discussed but I really donât think I need to as weâve all seen them.
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I havenât decided how I feel about the secuirity implementation yet.
I think itâs worth noting though, I often (without trying honest) see people enter their pin or their swipe pattern whilst on public transport. One time I saw through the security camera on a bus!
I use TouchID currently but Iâm not sure we should take any phone OS level security as 100% (regardless of iOS vs Android as well) because us users arenât perfect even if our phones are.
If someone sees me enter a pin on my phone they can grab it off me and now they can see my bank balance. If I use one of those wallet phone cases they now have my driverâs license and D.O.B and can talk to chat.
Theyâd have to be quick because Monzo CS are good and can freeze access but I reckon you could do some damageâŚ
I can see the counterpoint as well that if Monzo needs a 2nd level of security my emails should too, they let me reset a tonne of valuable stuff.
For me if someone got access to my phone Iâd be boned. Even android pay is really only protected by the fingerprint lock, not to mention all the passwords and 2fa stored on there.
So I have to rely on the phone security, and whilst having an extra fingerprint check in the monzo app would be good it doesnât actually add much (because if theyâve managed to clone your fingerprint to unlock in the first place itâs not going to be a hurdle to them).
All I can do is hope that it slows a determined attacker down long enough that I can deuthenticate it and block it.
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Just a thought, can you add a four digit PIN and fingerprint capability to the Android App. All my banking and financial services apps have a PIN or password and it feels a little insecure that there is only one level of protection into the Monzo App (my actual phone password). Iâm sure lots of people have friends who know their phone password or just donât have one at all. Adding an additional level of security would be greatly appreciated.
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if this would be attacker has the skill to clone your fingerprint, wouldnât they have the skill to break your passcode - Jason Bourne style ?