When shopping, around every 4th transaction my monzo payment is declined and I have to use the pin number. I understand that this is supposed to be a security feature but this is too often and just becomes tedious. I dont get this happening with my NatWest card. When talking to shop staff about it they all say that it happens with Monzo far more often than with any other card. I’ve reached the point where I’ve stopped using Monzo in shops and just use my NatWest card. The only reason for me to keep a monzo card now is to send friends money when splitting bills.
Use Apple Pay or Google Pay on your phone.
Because you authenticate with a password or biometrics on your phone there’s no requirement to enter a pin and in a lot of cases there’s no upper limits to how much you can pay.
Use your phone it’s so much more convenient.
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Use Apple or google pay rather than your card for contactless payments then you won’t have this issue
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SCA is UK law, so if NatWest isn’t doing it yet, they will be doing it soon. By law, they have to ask for pin authentication after €150 of contactless payments.
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I believe logging into the app also counts as authenticating and will reset the 150
Edit this isn’t true sadly
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This place is going to be a total hoot when the other major banks stop putting off introducing such limitations. Imagine the complaints! Though it will probably be Monzo’s fault somehow
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Also, is there some shadowy off site forum coordinating folk to login for the first time in ages (or years!) to tell us on a drumbeat they have already previously made the decision to no longer use using :mondo:? Been a wild week
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Another forum full of disgruntled Monzo haters? Nah, can’t even imagine that. That’d be CRAZY.
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Logging in to the app won’t reset the SCA counter
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Tiny correction: it’s EU law. Although after we properly leave the EU, the UK will very likely keep it
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SCA seems to be everyone’s favourite topic this week!
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i’m pretty sure if the card was lost and the person spends a lot of money without monzo asking for a pin they would probably said why didn’t they asked for the pin at some point, there’s nothing wrong if you need to put your pin in a few times when making a payment i rather do that than have someone use my card without limits
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I was going to say that, but then cue the “but we’re not a member of the EU anymore”… Yawn 
All EU law is automatically transposed into UK law because of the European Communities Act (until 31 Dec 2020).
Have I got confused and there is something else that is reset by logging into the app?
It’s only a problem, if you make it a problem. I prefer this ‘just in case I lose my card’ in this sign of the times, contactless is making us very lazy.
Tiny correction: the transposition is permanent - it doesn’t expire even we exit the transition period. We can though, diverge (so repeal parts of the acquis, modify law with an EU origin etc).
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Hi @arthur-ceccotti … When the contactless limit was increased to £45 my SCA limit also increased to £225 … But has since reverted to £100 … was this intended? £225 seems more reasonable to me right now 
I have vague memories of the app itself needing SCA verification if it hasn’t been used for a certain period, and that using the app during this period invisibly resets the count so that most customers won’t find themselves asked to verify this way anyway. Perhaps this is what you were thinking of?
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SCA is a bit confusing to the average joe, im forever being behind people in supermarket queues that keep giving the “theres over £5000 in that account” I dont know why its declined…"
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Blame the legacy banks for blowing the deadlines and confusing everyone 
As someone who sometimes has to take card payments as part of their job, I always try and make my messaging along the lines of “You will need to insert your card to complete this transaction” rather than “Card machine says no”, but in part this is reliant on the bank/card machine making sure the correct error message shows up.
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