Static CVV numbers are so last decade

I would much prefer an option in the app to “Generate online card number and CVV for [X] usages/up to [X] amount” - so you can give each merchant a unique card number and CVV and limit how much it can be used. I know about a decade ago, some (particularly US based) banks were trailing (see and and appears to be the same idea as ). Then any unauthorised usage is very very easy to track down and it is a lot more secure.

The disadvantages are that Monzo would need a lot of “spare numbering capacity” and if a merchant asks you to confirm the last 4 digits or the CVV number on future purchases (such as the National Lottery does online), you’ll have to have a way of finding/looking up which card combination was used.