How we keep your account safe
There are certain techniques we use to keep your account and your money safe.
Magic links give you a secure way of accessing your account. That's because we email you a unique login link every time you log in and we don’t ask you for a password. No one can guess or steal your password, because you don’t have one. Never let anyone use your email address, as that’s your key to Monzo.
PIN, fingerprint or facial recognition give us confidence it’s you. Any time you try to move money in your app or order a new card, we’ll ask you for your PIN. Or, if you have ‘biometric security’ turned on, we’ll ask you to use Touch ID, Face ID or your fingerprint. For extra security, set up biometric security to protect opening your app with your fingerprint or face. Remember that any fingerprint or face registered on your device will be able to be used to log in to the app and authorise payments. To keep your account safe, make sure that only your biometrics are stored on your device.
Extra security when you pay online
For most online payments, we’ll send you a notification to confirm a payment in your Monzo app. Just login to the app and tap to approve or deny the payment.
Added Security when making large payments
In an industry first, we have a trio of tools you can opt into to keep your money extra safe.
Known Locations: Choose a known location where you can confidently send large payments
Trusted Contacts: Ask a friend or family member to double check any transfers over your set daily allowance
Secret QR Codes: We'll email you a QR code to print out and scan to prove it's you
Keeping your money safe is our top priority – but there are lots of things you can do to stay safe too.
Only download the Monzo app from the App Store on iPhone or Google Play on Android.
Only let people you trust use your phone, and don’t tell them your phone’s passcode.
Delete all content and settings from old phones you’re selling so you don’t leave your Monzo account open to whoever buys it.
Turn on automatic app and software updates on your phone, and delete old apps you don’t use.
