Out of interest why did you personally shut yours
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Probably a repeat comment ā¦ but their in app - Apple Pay card add to wallet functionality is awesome !! So simple! Definitely a must for monzo over the scan a card old school process
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This would be so easy to implement I would be very surprised if Monzo didnāt support it.
I wasnāt using it. As simple as that ultimately.
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My feedback on Starlingā¦ I tried to open an account, and got a text saying they couldnāt verify my identity. Then the app updated to say the same. No hints about what to do next. I reinstalled the app and itās still the same. Even the āHelpful Tipsā it refers to simply tell me my identify couldnāt be verified, perhaps because Iād moved, and no way to contact them.
(If Iād known Iād get alpha current account access two weeks later, I wouldnāt have bothered)
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First big negative, beyond UI, using Starling tonight:
Was making my first bank transfer - ironically to my new Monzo current account 
because my legacy bank doesnāt allow me to create new payees on the go 
- after using Touch ID to get into the app, it still required a password to make the payment.
After a couple of beers at Monzo HQ, and having become Touch ID dependent, I had no idea what my password was and had to reset my account 
Felt like an unnecessary step considering Iād already used Touch ID to log in 
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You canāt blame Starling for you forgetting your password 
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Of course not! But I can say Iād rather they had Touch ID for making payments like Monzo does!
Even my legacy banking app doesnāt require passwords once Touch ID has been used to enter the app.
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Does your legacy bank current account really allow you to setup a new payee and pay them from your phone just protected by touch id? Iām amazed, most I have used donāt even allow you to create a payee on the phone.
Starling only ask for the password when you setup a new payee - after that you can make payments to them without further auth - relies on the touch id you used to open the app. Seems sensible to me. Even Apple make you use a second identification method (as well as touch id) at times, e.g. when a device is rebooted.
@Toblerone Does the Monzo current account let you setup a new payee and pay them straight from the phone only using touch id then?
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I just tested this in the current account app, setting up a standing order for my rent payment. It makes you Touch ID verify (with the account details/amount/dates shown on the pop up) to confirm it.
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Yes the authentication system is my biggest issue with Starling. Not only do they have a password (and donāt have 1Password integration), they also have Touch ID and donāt allow you to disable it. There is a toggle in the settings but it doesnāt seem to work and according to them itās not a bug - if you enable Touch ID they you get IDād every time you open the app, if you disable it you only get it occasionally but thereās no way to disable it completely.
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This is one of my biggest concerns about Monzoās current position, the API (which was initially the big draw) has been kicked into the long grass. With the likes of Starling having done the grunt of the work on current accounts itās easier for them to set their sights on bigger and better integration.
Monzo needs to offer a different card design. As people have already pointed out, the current design is a bit childish and wonāt appeal to a wide range of people, especially men over a certain age. Starlingās card design is a lot more classy and mature, less embarrassing to get out in a restaurant! Saying that though, Iāve been with Monzo since the beginning and though I have taken a keen interest in the other fintech startups like Starling and Fidor, Iām happy with Monzo and its openness.
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Which has now been closed 
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Arenāt you trying to get it re-opened now though?
I was asking for their protocol for it, and more importantly why I received the error that I did when entering my mobile number. They donāt have the facilities to allow me to open an account again which is fine, just couldnāt find any information anywhere regarding that.
I see - fair enough I guess!
Although Android has several features that iOS doesnāt have
TouchID was to log into the App. Any Payments are authenticated with the account password. Seems sensible to me; although I do agree that if TouchID and or a password was mandatory to get into the app then the use of a password for a payment is extreme
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