I’ve just notice hundreds of pounds taken from my account while I was in bed sleeping! Past couple of nights. Transactions to:
All the TikToks are £84.89 except one which is £212.25. All the Pixfizz and Growtentstore.com are $95.
But how could this be!! I have my card here, it’s never left me. It was by my bed as I slept. The app requires FaceID. No approvals were asked by the app. There are no notifications in my phone the payments went out. The only notice of the payments are is in my account feed on the app.
I thought Monzo to be secure I have a lot more money in pots so am really worried now.
I’ve reported them all as fraud which froze my card and now just anxiously waiting for Monzo. I better get the money back as I really don’t think I’ve done anything wrong here.
Does anyone know how such a thing can happen when I thought I need to approve all transactions?
In fact, one transaction said it was not approved as I did not approve it in time. So does that mean the others were approved? But how!?
Unfortunately this is one for Monzo support to deal with. You could always mention you’ve had 0 notifications and ask them to investigate why. They’ll have more access to data than anything we can guess at here.
As you’ve discovered not all online payments require authorisation via the app. There’s plenty sites out there which don’t currently operate to the additional security features we’ve become used to.
For additional security, once you’ve got a new card from Monzo, freeze it when you’re not using it. That way if your cards ever compromised in the future, the transactions will just fail.
Definitely no notification. Yes I do get pop ups normally. That’s how I found these as I clicked a Monzo pop up. I haven’t cleared my previous days ones as they’re all still there. I can’t imagine I clicked clear on a group of Monzo ones… I check my phone when I wake up and would have seen those payments and wonder what they are but I didn’t see anything. if there were multiple pop ups (about 10 spread over 2 nights) I can’t explain how I didn’t see them
Also I don’t think it will be possible to lock the card… I’ve just had a regular monthly Apple payment declined. I subscribe to lots of services using the card like Apple, Netflix, Amazon Prime etc. all these will be declined.
Such a shame we can’t lock the card “except” to ones you choose.
Sorry to hear about what has happened. Monzo should be able to support in-app and there are some good suggestions above.
Have you considered Monzo plus and virtual cards? I only ask because you could create a virtual card, assign it to a pot and continue to spend while leaving the main card frozen (I think).
Also, in future, you could use those card details online, so if the card is ever “swiped” or compromised, you could just delete it which would prevent the payments.
I can only presume that somehow, your card details have been compromised. This happened to me with my Amazon account, I had to end up changing email addresses and a few other things so I know it can be difficult.
The only way someone could’ve got your card details from the app is if they had your face or knew your pin and could unlock the phone/app and get to them. Which is unlikely.
Could it be you’ve got some kind of task killer which is nuking the notifications. That’s really the only way I can think of where you’d wake up and not see any notifications.
Does your phone allow you to scroll back through all the notifications you’ve received, I know mine has that facility to do this. I rarely use it, if I’m honest. But it’s nice to know if I thought I’d missed something I can scroll back through to see what it was.
I have nothing to kill notifications. My notification list is there for the past few days showing all other apps notices, but no monzo ones. But I have enabled Monzo motifs ruin when payments are made.
But thinking about it I don’t get pop ups for ALL payments, I don’t think. Not direct debits for all my bills which come out of a pot. I’m sure I’ve had other notices like payments to Apple.
I’ll have to think about virtual cards. I’m not sure how it could help because couldn’t fraudsters guess my virtual card details the same way they must have for my physical card?
I think either they’ve guessed the details OR I’ve made a purchase online at some point (could be ages ago) and that website was hacked or saved my card details. I normally only enter card details online if I know it’s Stripe or trusted gateway but a website could be hacked to look like it.
For online payments in future a one off virtual card could be used. My other banks provide this facility. Used once then erased.