Suppressing Active Card Checks

Does Monzo suppress Active Card Checks?

I went to do a replacement on Amazon (item faulty) and I got notifications from both Monzo & Starling. One was for £1 an the other was an Active Card Check (Monzo was the latter).

Assuming both transactions/checks were the same, I’d have thought that it would deduct £1 from each account.

Monzo know its just a card check so don’t deduct the £1 as it will never be claimed by Amazon :slight_smile: so it doesn’t matter…

Just another reason Monzo is amazing!!

How do they know, though? :thinking:

What differentiates it from a regular transaction for £1?

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That bit I don’t know… I’m guessing there is something in the information sent to Monzo when they check the card? Maybe someone geekier might be able to answer that? :stuck_out_tongue_winking_eye:

@hugo @simonb @alexs @GalaxyMergirl @HughWells

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Also when you do a add a card to PayPal or android pay, maybe when they company does a check they leave a certain ref (like a regular PayPal transaction will appear as “PayPal 575755” ) so maybe monzo have worked out the patterns?


This is something I noticed recently when adding my Monzo to my PayPal account.

I’ve also had Active Card checks done on my Monzo in the past, temporarily taking a monetary amount (iTunes comes to mind as one). So I’m not sure if it’s something that they always pick up on or not, or if it’s just a more recent feature. (I’m sure someone here could shed some light on that)

I do like the Active Card check notification though it was a welcome change :smile:

They seem to catch it sometimes like @airzy91 said. I’ve had a Now TV 10p one this evening that wasn’t caught for example. Uber is always caught though :slight_smile:

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