So I closed my Starling account last year but I wanted to give them another go. I tried to open an account again. It was rejected. Do you think they could reinstate my old account or is that a no go?
You have to wait a year, and I believe it might reset if you try to apply within the year.
Ah ok! Thank you for the info!
I was watching the OH on Candy Crush. Recently all the ads have been Starling pushing quick loans. Pre approved up to Ā£500 etc.
She asked me if it was because I just setup Monzo on her phone (doubt it).
Shame thatās being seen on a PG game on Android.
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I get loads of Starling ads on Duolingo. They all seem to be advertising āeasy to use overdraftsā.
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Starling just launched 3DS
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Doesnāt seem like the best implementation (SMS one time use code as the only option) after waiting quite a while for the feature.
SMS codes only, eh? Well, at least theyāre working on ābiometric authenticationā for later this year.
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Iāve said this elsewhere, but I actually prefer Monzoās SMS implementation, compared with their in app verification.
For starters, the in app verification causes issues with certain merchants (generally the credit card payments like Amex and Tesco).
Secondly, with the autofill functionality on iOS, the SMS is much much quicker, and requires zero input (other than a tap).
Maybe Iām just a bit nostalgic for the good old short message serviceā¦ But for me, itās the best!
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^ This
^ this x100, much much preferred for me
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I can totally see where you are coming from.
As far as Iām concerned, for someone doing most card payments on a Desktop/Laptop, the push-based approval method is really convenient.
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Are you on Mac? SMS autofill now works on desktop too, if you are running an updated macOS system and use Text Message Forwarding from your iPhone. Itās really very convenient.
Why is 3D secure still a thing anyway? It always felt quite arbitrary to me when itās required and when itās not. I also never felt more āsecureā for it, just annoyed.
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Donāt know how Mozonās non-SMS system works, but why is there any need to fill something out on the sellerās website?
Surely it ought to be implemented as āplease wait while we check with your bankā¦ā, you get a notification on your phone, you press āallowā, and the website receives the go-ahead automatically.
I hope thatās what Starling end up doing with the ābiometricā option.
(I hate SMS auth, because I donāt have cell reception at work, but do have internet access.)
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The issue with doing that on some services (like paying off your Amex bill in the app), is that as soon as you leave the app, it disconnects the transaction.
So by the time youāve āauthorisedā the 3DS element in your Monzo app, Amex have cancelled the transaction - This is why Monzo force the SMS option on some services.
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Iām on Android, so that doesnāt work for me unfortunately.
It also means that if youāre travelling and using a different SIM, you canāt make purchases requiring 3DS. 
(I get why there are use cases where people prefer SMS, but having it as the only option is limiting.)
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Canāt see that they do, but do Starling have referral codes? Going to sign up as a back up for when abroad