New security features make it harder for an attacker to successfully compromise your phone. These new versions will often contain security features and security patches, both of which are important to install. iOS 15 and Android 12 came in 2021), as well as a varying number of smaller updates. New versions of these operating systems come out regularly: there’s usually a big launch of one new version every year (e.g. Your Monzo app runs on either the iOS or Android operating system. Use the latest version of your phone’s operating system This is usually turned on by default – but if it’s not turned on for you, you can do it yourself by following these instructions for iOS, or these for Android. To make app updates easier and avoid ever being reminded, you can opt in to automatic app updates. We do this to make sure all customers are getting the very best Monzo app experience. Occasionally, we’ll remind you in the app to update to the latest version. So the more recent the version of your Monzo app, the better it is for you. This means, if we were to have a data breach, the risk of your sensitive data being exposed is reduced. This includes things like your PIN or card number. For example, in the past we’ve added an additional layer of end-to-end encryption to protect sensitive data. Sometimes these changes will be to improve a security or privacy related feature. Each new version comes with what we’ve been busily working on over the previous week - most often this will be new features such as Trends or Monzo Flex, improvements to existing features such as setting contactless spending limits, or fixes for bugs. We release a new version of our mobile apps weekly. When you’re using a supported and fully updated version of iOS or Android, your device has all the protection it can get against the latest security threats. When your Monzo app is up to date with the latest version, you can be sure you’re getting the best app experience on offer. This blog post was accurate when we published it – head to or your Monzo app for the most up to date information.
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