Monzo and Apple Pay

Question

Level 1

16 points

Monzo and Apple Pay

Just a quick message to let everyone know , we have been subject to 5 unauthorised transactions on our joint account allegedly by Apple Pay .. money was taken and transferred to 5 accounts in Revolut bank , Monzo are refusing to refund as saying we have made the transactions , yet we do not have any transaction history on our wallet …. Somehow they are disguising the payments to look like Apple Pay … this now has gone to the financial ombudsman to fight our case … if you have an account with MONZO be warned they will just shut the door in your face ! Get you money out of MONZO !!!!

iPhone 13 Pro Max, iOS 18

Posted on Mar 27, 2025 7:47 AM

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Answer 1

Jeff Donald

Level 8

36,646 points

Mar 27, 2025 8:03 AM in response to Smigglechops

Thanks for the update and I wish you the best in your dispute with Monzo.

The most likely scenario is the card’s details were skimmed from an ATM ortransaction terminal. The scammers then used the information to add the card to their devices and proceeded to access your account(s).

The bank knows you didn’t do it. They authorized the card being added. Your iPhone has 3 separate unique identifiers. The DPAN (Device Primary Account Number), device serial number (supplied by iPhone during adding card to Wallet app) and SEID (Secure Element ID) where the bank stores card information on the iPhone. The bank knows it wasn’t your iPhone.

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Answer 2

Smigglechops Author

Level 1

16 points

Mar 27, 2025 9:09 AM in response to Jeff Donald

Hi Jeff

thanks for that I will use this information as part of our ombudsman claim against them we can’t believe it , Apple support confirmed NO transactions on the account and also they DO not allow this sort of payment method to Revolut .. it’s just so annoying that you think you are protected and then this happens and the so called bank let you down … I just hope that anyone who reads this has second thoughts about staying with MONZO

we lost £650 in 13min and if we had not been alerted by out Apple Watches and I had not cleared all funds out of the account as quick as I did it could have been £3,000

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Answer 3

Jeff Donald

Level 8

36,646 points

Mar 27, 2025 11:52 AM in response to Smigglechops

The bank will only share the last 4 digits. Apple doesn’t even have the full number because of the encrypted data and limitations on what the bank shares.

iPhone > Wallet app > tap card > More Button (3 dots in circle in upper right corner of screen) > Card Details > Card Information > Apple Pay . . . . 1234

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Answer 4

Smigglechops Author

Level 1

16 points

Mar 27, 2025 1:01 PM in response to Jeff Donald

Cheers Jeff , that’s very helpful we actually have the some numbers supplied by Monzo who told us to deal with the receiving bank , which we can’t , a total fob off in my view .. anyway thanks again for you help I’ve screen shot you messages to help build the complaint letter / chain of events 👍

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Answer 5

Jeff Donald

Level 8

36,646 points

Mar 27, 2025 9:25 AM in response to Smigglechops

I’m sorry that you’ve had to go through all this. If I can help in any other way, please post your questions to the community. I wish you best!

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Answer 6

Jeff Donald

Level 8

36,646 points

Mar 27, 2025 3:38 PM in response to Smigglechops

Glad I could help. You know how to find me if you need additional assistance.

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Answer 7

Smigglechops Author

Level 1

16 points

Mar 27, 2025 11:08 AM in response to Jeff Donald

quick question , would it helpful for us to find out what the unique number is associated with my wife’s card so we can compare with the 5 transactions and do we get this by speaking to Apple customer services . Thanks for your time Jeff