Under 16 card repeatedly not working

We have the under 16’s with a card.
Today has been the third incident where.my daughter has been left high and dry not being able to use her card either via tap or via pin. Today I had to drive into town to pick her up as she was unable to both buy what she went for or pay for her bus ticket.
To be honest this is not acceptable.

Can anyone give any indication as to why we should be finding this?

Nothing is locked as far as we can see. The card as it has been used successfully previously, last year multiple times.

What messages are you getting in the app?

Has their contactless limit been reached? As that can cause a decline,

Bus services don’t have a pin option, so if the contactless limit is reached it won’t allow the tap and pay.

Nothing in the apps.

She has £26 in there and was paying for a £12.99 item.

Machine just said “card not accepted.”

Does this card have limited places it can be used?

Can you define contactless limit?

Then it isn’t getting to Monzo.

But it works sometimes?

That’s possibly a merchant issue and needing to update their card database. Was this a chip and pin attempt or contactless?

Frustrating nonetheless.

Contactless limits are the total amount you can tap to pay over time before your pin is required (usually visible within the card settings).

Both a contactless attempt was made and then a card insert and pin entry.

The last successful payment made with the card was last year 11th December since then it’s not worked.

As for their DBs being up-to-date, it’s a live service or supposed to be a check against Monzo no? They don’t d/l DBs of card numbers that would be rife for security issues.

I’d take the card to somewhere big/well known like say Tesco and try it there, ideally somewhere it has worked before. Try both contactless and chip and pin. See what happens. If it fails then get the card replaced. If it works, then it could just be an acceptance issue, which obviously doesn’t solve your problem.

The start of a card (BIN) is part of a database to know that it comes from a valid card series. Obviously the kids cards are new and not everyone updates them as they should, but this doesn’t seem to be as much of a big deal as it used to be.

Did she manage to pay for her bus on the way in to town okay?

Lol bus on the way in, no she used the family taxi service… Both directions!!!

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If I click on my son’s card at the bottom of the front page, then ‘Limits’, I get a slider showing daily spending limits. Worth a look?

Looked already, it’s been set to aax of £50 a day, she doesn’t have that much in there and it hadn’t worked on the day to spend anything, if it keeps going this way it’s a great savings account :thinking:

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Was it for stagecoach by any chance? Has she tried to pay for a fare and not had enough money so it declined?

I don’t know if other bus companies work but if that happens with Stagecoach the card gets “hotlisted” and automatically gets declined by their systems, for IIRC, 30 days.

It gets blocked on their side, so Monzo never sees the request.

(Source: I used to work for stagecoach!)

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The Monzo U16 cards have the same BIN as the grown-up ones (ie they both start 535522), so that doesn’t sound like the issue.

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So we have tried this card in a number of places that we know it worked at one point. The card now no longer works at all.
This card was issued in October 24 and had failed by early Dec 24.
Monzo want to charge £5 for shipping the new card which given this duration I think they should refund as I would expect a min of a year on a card not failing.

How do I contact a Monzo representative to actually have a discussion about this?

Hi

Unfortunately, this is listed in the terms and conditions that you agreed to when you got the account, as can be seen here and here

If you would like to talk to someone at Monzo, please tap here

Please note, this is not a live chat. Non-urgent support is only available between 7am and 8pm, Mon-Sun. Urgent support is available 24/7.

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Yep, but I’d definitely be going to chat and saying a card shouldn’t fail completely after three months. I’m in agreement with the OP on that one.

As a Yorkshireman I still haven’t got over being made to pay 45 French Francs for a replacement Carte Bleue in 1986 when the mag stripe delamimated after a couple of months.

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