Monese Debit card - is it worth it?

OceanSound

Eco_Miser wrote: »

I thought the CSV was on the back so that ALL the details couldn't be copied/photographed in one action, but if all the details are on the back, it's all there for the spy camera UNDER the card machine.
....

Probably a red herring!. gone are the days when one could complete a transaction with just card number, expiry and CSV. i.e. those days the CSV acted as the last line of defense.

These days you are entering some form of password (e.g. verified by visa) or using the app (e.g. Monzo in app authorize payment). In fact, I can't recall a time when I just used card number, expiry date and csv only for an online purchase recently. It's always had some form of additional check.

p.s. IF it is a genuine security concern, I can't imagine Monese, Starling and Tide (yes!, all three) not having considered it when designing the cards.

sal_III

Regarding the portrait oriented design, I believe Starling were the first (or at least among the first) to introduce it. It's mostly marketing gimmick to symbolise how they are "breaking the rules" of traditional banking. They have a blog with some insights on the design decisions:

https://www.starlingbank.com/blog/new-bank-card-design/

Having all the data on one side is a non-issue, without the billing address and the additional checks such as "verified by VISA" they are more or less useless. It's far easier for the crims to just hack a poorly secured merchant and collect all the data from one place in bulk.

OceanSound

What's everyone's experience on how [STRIKE]fast[/STRIKE] slow monese support respond to queries?

I sent them a message via the app two days ago. No response yet. Is it becuase they are based in Estonia?. Surely, it dosen't take two days for the app message to reach estonia Pretty sure messages can go from Rosario, Argentina to Xinghua, China within seconds/minutes. No?

I also sent a tweet out about 6 hours ago. Nothing yet.

Was starting to think it's something common with all fintechs, but then, Monzo support has always been lightning quick.

System

sal_III wrote: »

Regarding the portrait oriented design, I believe Starling were the first (or at least among the first) to introduce it. It's mostly marketing gimmick to symbolise how they are "breaking the rules" of traditional banking. They have a blog with some insights on the design decisions:

https://www.starlingbank.com/blog/new-bank-card-design/

Having all the data on one side is a non-issue, without the billing address and the additional checks such as "verified by VISA" they are more or less useless. It's far easier for the crims to just hack a poorly secured merchant and collect all the data from one place in bulk.

My Egg Money card (RIP) was portrait many moons ago.

OceanSound

Heng_Leng wrote: »

My Egg Money card (RIP) was portrait many moons ago.

Like the one here:


I noticed it has the name, card number, expiry at the front. CSV probably at the back.

The one above is from another member, I had an egg card myself, but I don't think mine was portrait though.

OceanSound

After seeing the message on the support section of app, I went ahead with confirming address, then saw this:


All good.
Debit Card on the way.

OceanSound

OceanSound wrote: »

What's everyone's experience on how [STRIKE]fast[/STRIKE] slow monese support respond to queries?

I sent them a message via the app two days ago. No response yet. ......
I also sent a tweet out about 6 hours ago. Nothing yet.

Was starting to think it's something common with all fintechs, but then, Monzo support has always been lightning quick.

Still no reply to message sent via monese app. If anyone's thinking about contacting Monese customer support via the app - forget it.

Support team on twitter has finally got back to me. From what they say, seems a high volume of incoming requests can cause long wait times. They recommend phoning for urgent queries.

OceanSound

Received an email from support on 28 August in response.

Says i can 'upgrade to [their] new pricing Plan and get [my] first card free.'

Also says 'Please know that you can upgrade your monthly plan in the App yourself, login to the App click on the menu and there you will see 'My Plan' section, tap on that you will see the option to upgrade to and confirm.'

I didn't do any of the above, but when it came to ordering card, app still said card was free (See screen shot from post #27).

[Deleted User]

That Egg card above isn't 100% vertical though, yes the Egg logo and Mastercard logos are, but the name, card number and expiry dates are all horizontal.

I think the idea around vertical cards these days is because we use them vertically, whether that is inserting into an ATM, chip and pin terminal, or tapping it. No one holds their card horizontal, unless you are reading the number off for an online purchase.