I know. I was following that one for a while for the lols, but then even that became boring. Being a card fraudster must be easy money. I think I’m in the wrong business 
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Having seen the “behind the scenes” of the card fraud industry it isn’t that easy. Bank’s anti-fraud measures are relatively good at preventing fraud on a mass-scale. Still possible on a case-by-case basis where you get more information about the user (and potentially hack them and commit the fraud from their own computer/phone so the bank doesn’t see it coming from a different location) but simply having a card number won’t get you very far nowadays.
Quick question, what about cards that have expired, been blocked/frozen or are otherwise invalid? Surely as soon as the card number is blocked it won’t do anyone any good?
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If the transaction is checked online then no it won’t. However in some cases the merchant chooses to accept offline transactions (at their own risk) and for a non-EMV transaction you could encode the card number on a mag stripe and use the card at an offline terminal. (though I think in these cases you might as well use any number as long as you compute a valid Luhn checksum for it).
Apparently fossils like these ones are still allowed so you can also emboss the number on your own fake card and use it to commit fraud at a prehistoric merchant.
Common sense is a rare commodity.
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amazing, not seen one of these in many years. But again, you could use any number. There should be no risk to the account holder in either case.
I suspect a large percentage of card images online are invalid/blocked cards and not really a risk (I may be overestimating humans though 
)
The issue isn’t that Megan’s boyfriend posted his card details online, it was that it was then shared on by Megan and Anne
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it was tweeted by Megans then boyfriend and then retweeted by Anne before I suggested he take it down - the picture wasn’t tweeted by Megan 
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I would still suggest that it’s bad practice. Some companies use partial card numbers to confirm indentity (which is of course very questionable practice), so it’s best to destroy expired/cancelled cards and not share card numbers unless you need to do so.
[edit: I would say that everything that has anything that could remotely be used to identify you should either be stored securely, or destroyed, and most certainly not be posted publicly on the internet. Obviously that is tough ask, so you may inevitably have to make compromises with this approach…]
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Fair enough but you still said Megan gave you an mouthful about it…
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I had never heard of Monzo until a friend put a referral link on Facebook in March. I had never heard of Starling until I read about it on this forum.
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Starling definitely lacks in marketing unfortunately.
This was summarised by another contributor a couple of months ago. I forget who it was, sorry:
Monzo is a FinTech start-up playing at being a Bank whereas Starling is a Bank playing at being a FinTech start-up
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It’s all about the brand, and whether you’re on the 
or Starling side I think we’ll all agree that Monzo got their brand right (possibly by being the first) - Starling is just catching up. A lot of people, including those who ended up preferring Starling first heard of them through Monzo.
Yep. I first heard of Starling through Monzo.
I’ve also found a lot of other interesting apps/firms/products through the contribution of others on the Monzo community whilst I’m just being told to ”move on” in the Starling Community.
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Their community does seem a bit cold regarding third-parties (whether competitors or totally unrelated markets) where as this one seems fairly open. They should really work on their marketing & community aspect as it’s what brought Monzo’s success and I have no doubts will bring them success as well if they want to. 
It seems however they really want to play the “legacy bank” game which is a shame IMO. If they try to pass as a legacy bank they’ll never be able to compete with the established players. To be honest I think the only reason Monzo is relatively popular is because of the community aspect - the tech alone doesn’t cut it.
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Actually I think Starling was the first.
Tom and Anne were working together on Starling, but then Tom went his own way and started Monzo as they didn’t agree on lots of things.
I’ve read this some ling time ago when I first joined Monzo.
EDIT: added the link to the article
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I wouldn’t say the only reason (although, a lot of the awesome stuff we’re going to do with the tech we’ve built won’t yet be apparent) but we really love and trust our community and it’s absolutely integral to us. After all, we’re building the app for the people that want to use it, so why keep secrets or have a barrier between the organisation and the users? 
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Just considering what the current Monzo vs Starling score is.
I see 2 advantages to starling at present:
- Credit interest
- Statement downloads
Only one potential disadvantage - do Starling use a 3rd party to process payments like Monzo used to do with the old prepaid card? Is it true they are currently “less reliable”?
Finally, the Starling community is a shadow of Monzo’s.
Any other current considerations?
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I don’t really think the comparison is fair, in terms of the product, as what they offer at the moment is different. Starling has a Current Account, Monzo does not (it has a preview that fewer than 20,000 people are testing).
Of course, now that Monzo’s prepaid card is closed to new customers, people will be gradually phased onto the current account.
It’s probably fair to say that Starling is ahead. I don’t see it as a competition between Starling and Monzo. Sign up for both and see what works for you. Both are an interesting alternative to what legacy banks are doing …and some legacy banks are doing pretty well.
Starling has Apple Pay and FitBit Pay that Monzo currently does not. This is a big draw for some.
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