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Reply-To: <no-reply@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: Set up added security controls
Date: Sun, 23 Mar 2025 10:23:44 -0000
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An extra layer of protection on your money
͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     


 <https://clicks.monzo.com/f/a/KpNwEGPL29_MTfYPKwK_Dg~~/AAAHahA~/c5Vg4iSMaJYWK6-nV-aPmnQw5RTprt8BT9C9zb2GK4nG-ieXkEmWD4jTcOfc1xyVpFKr0vpon0dp9EaMXg06lQSM0QeFtsA-xA6gCAuO4uM~>


Protect big payments with extra security controls
 <https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_lrP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt-Q~~>

Switch on two of three optional security controls to stay extra safe and 
stop fraudsters in their tracks.

Use known locations, a trusted contact, or a secret QR code to confirm it's 
really you making big payments or large withdrawals.



Add now 
<https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_lrP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt-Q~~>

Choose at least 2 of 3 security controls



 <https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_lrP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt-Q~~>

Leave your savings at home
Choose known locations only you can send large sums from – like home or 
work. It's like hiding money under your mattress, only much cleverer (and 
safer).





 <https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_lrP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt-Q~~>
Pick a trusted contact to double-check payments
Ask a close friend or family member with Monzo to double check any bank 
transfers and savings withdrawals over your daily allowance.

 <https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_lrP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt-Q~~>




 <https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_lrP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt-Q~~>

Scan a secret QR code to confirm it's you
We'll email you a secret QR code to print out or store on another device. 
When you want to move money over your daily allowance, you'll need to scan 
it to confirm it's you.



Add now 
<https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_lrP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt-Q~~>



  <https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6780f40b2d3a560071ec1208/original.png?1736504331>

  <https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6780f40bad421d0072ddea00/original.png?1736504331>

  <https://cdn.braze.eu/appboy/communication/assets/image_assets/images/6780f40b544bd90075dcab31/original.png?1736504331>

We're an authorised and regulated bank



 <https://clicks.monzo.com/f/a/e-VHetOO8-Zra0ageaQx1w~~/AAAHahA~/aa2ijFIHUG4zzHykGoG3J3zDnEpZmF9ZfObcFcbCDRt_Tgge9jv1vC1402CmQv4jXzPx8zk2RMQUUsARfnLcSZeEDs5AOz_KBkjMy11VrRQ3kqW4YRtr9XD4gxOnmkDDQVQI8YhdVLG8OB_V7EmiZQ~~> 
<https://clicks.monzo.com/f/a/DlOnMA6aDGvFpenvqJn9vg~~/AAAHahA~/5RDE7i-a8yyilpx5ivgFvpc-U7SRlBHv9Lc3sqN-v5pNFa0PC00WjVRpkyC9-s9tIuXnr5-ieMgi5-ljhjRy8Haby3Tm7PpRAAaH32LY0Rq2Nvfw-uPAugbpJl4LqaZa>


 <https://clicks.monzo.com/f/a/svN_tlAUzHd0NvnWr1QJLQ~~/AAAHahA~/OM5u7UfuntZKgfa8crWDa0pioEaSaVU5EpkgUa7Y73SntlgpVztI04COn7AJ0_B1xUSMFr1Wr9vNBTZkURectFq8MkaxOuLfHPj_wciRt6A-D6Kah-w5dAoneSHP2BZ5BSTO0oDp48xKQ7isX6ceNpKW2QAUAGuvZKjUcAQgmHH6cFVO_SMHDnaeK_HGWlg3> 
<https://clicks.monzo.com/f/a/_pHulu4hMIBqUmPK5UW2nw~~/AAAHahA~/AiwkrFflWQv4gLIKqReIhu1mZA9o2cWwsBTIq3tUyGwb25QBWGif2Daz41IUcI-EI4xv5YU9uAHKugfO9rsCVSQxzKSCQUjNyPHNiAGt8DJ2zwrivXphaXneWwLMJ0sC77XHPaStRJgBlBsT9I17eg~~>


 <https://clicks.monzo.com/f/a/KpNwEGPL29_MTfYPKwK_Dg~~/AAAHahA~/c5Vg4iSMaJYWK6-nV-aPmnQw5RTprt8BT9C9zb2GK4nG-ieXkEmWD4jTcOfc1xyVpFKr0vpon0dp9EaMXg06lQSM0QeFtsA-xA6gCAuO4uM~>
Don’t want to hear from us again?
You can unsubscribe 
<https://clicks.monzo.com/f/a/HT-GpfgqTbeEcS-EpVI5lw~~/AAAHahA~/RntRP_9iKPX2oC_UX1tUMb-gf-ECzN913n4kMMChauRPv9_5I22_AuO4VIwIFIeGdAa4wwmI0OTAj1ke1fnJNMY1tiyRawHTQyl2aTYIgXes_0Tgr25JhFtk6cgEnkXSs5CG8KSyTXzd8XA3urtP_A~~> 
at any time. No hard feelings.

Monzo Bank Limited is a company registered in England and Wales 
(No.09446231) registered at Broadwalk House, 5 Appold Street, London EC2A 
2AG.
Monzo Bank Ltd is authorised by the Prudential Regulation Authority and 
regulated by the Financial Conduct Authority and the Prudential Regulation 
Authority. Our Financial Services Register number is 730427.

 <https://clicks.monzo.com/f/a/WeIWzUYy5wbC1d8zcFundg~~/AAAHahA~/A3NSC5Md70bEmCsbJSUOtZCSuWqdulaNBXHyI8PcotXnErJJ1VYBLWHbouS1gTd13uUmtuzJHRIO6KwuAd-VkuHhgd8AlarLmKb6ZdNBPys2Qazrn3GIKeovLi_mp-uE8lpfcC5gTR2Oqgkqbgn4qA~~> 
<https://clicks.monzo.com/f/a/Jwae3STU0CQ_4FNYV8oY-g~~/AAAHahA~/cgXSlJUz-B-gZVEfzVKCRVHh4Q_G_WIS2CHGt2RrxRbz9xJUAX8_j_CLuj4yyWoDAVhjmbnuW2wPHKuH9AETWpOS3WWhX-8PPDDQ-BT_1HPeW5W7hRU6j_8607KPda36> 
<https://clicks.monzo.com/f/a/d6lyiRPyqiplcdN1GckKTw~~/AAAHahA~/-UpYSVLeFlN37Qy2QHxIy5NQSMAJNg3-8V3qShF10TyGTc5scguYWspRYahHM431LWYoewI1uF7BH478AefD_tfj7_X5spN9bf21n-wJNneGR_CKW3qiiFCQl1tqp2Xt>
  <https://clicks.monzo.com/q/SkhJBOtLDq0lw7WHB1DJ0Q~~/AAAHahA~/XHjXY6hBeYYJVZVbYhcc9iXqftEpChr4n2OyYZ2NrHucG5UrmIfgzq_I8ekDb1eE-N-VZnONgiANx5jfUQ8yvQ~~>

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      color: #FFFFFF !important;=0A=
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      color: #F2F8F3 !important;=0A=
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      border-bottom: 1px solid #3B4C54 !important;=0A=
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  </style>=0A=
=0A=
  <title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
<body id=3D"body" class=3D"darkmode body body-fix" bgcolor=3D"#FFFFFF" =
style=3D"height: 100% !important;margin: 0 auto !important;padding: 0 =
!important;width: 100% !important;-webkit-text-size-adjust: =
100%;-ms-text-size-adjust: 100%;-webkit-font-smoothing: =
antialiased;word-spacing: normal;background-color:#FFFFFF;">=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">An =
extra layer of protection on your money</div>=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=CD=
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=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
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=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF </div>=0A=
  <div role=3D"article" aria-roledescription=3D"email" =
aria-label=3D"Email from Monzo" xml:lang=3D"en" lang=3D"en">=0A=
=0A=
=0A=
    <!-- Email Start -->=0A=
    <table class=3D"darkmode" bgcolor=3D"#FFFFFF" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"width:100%;">=0A=
=0A=
      <!-- Email Inner Start -->=0A=
      <tr>=0A=
        <td align=3D"center">=0A=
          <table align=3D"center" bgcolor=3D"#FFFFFF" class=3D"darkmode =
fullWidth" width=3D"650" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;" role=3D"presentation">=0A=
          =0A=
                      <!-- Logo Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                  <tr>=0A=
                    <td align=3D"center" style=3D"padding:45px 20px 30px =
20px;">=0A=
                      <a =
href=3D"https://clicks.monzo.com/f/a/KpNwEGPL29_MTfYPKwK_Dg~~/AAAHahA~/c5=
Vg4iSMaJYWK6-nV-aPmnQw5RTprt8BT9C9zb2GK4nG-ieXkEmWD4jTcOfc1xyVpFKr0vpon0d=
p9EaMXg06lQSM0QeFtsA-xA6gCAuO4uM~" target=3D"_blank">=0A=
                        <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63243b649248f072e000e529/original.png?1663318884" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;" width=3D"113" alt=3D"Monzo">=0A=
                      </a>=0A=
                    </td>=0A=
                  </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Logo End -->=0A=
          =0A=
            <!-- Header Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"650" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                  <tr>=0A=
                    <td align=3D"center" style=3D"padding:0px 20px;">=0A=
                      <table align=3D"center" class=3D"fullWidth" =
width=3D"610" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;" role=3D"presentation">=0A=
                      <!-- Title Start -->=0A=
                        <tr>=0A=
                          <td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'Oldschool', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:40px;line-height:46px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:20px 0px 20px =
0px;">Protect big payments with extra security controls=0A=
                          </td>=0A=
                        </tr>=0A=
                      <!-- Title End -->=0A=
                      <!-- Image Start -->=0A=
                        <tr>=0A=
                          <td align=3D"center">=0A=
                            <a =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" target=3D"_blank">=0A=
                              <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/669e3c4cddfbd70075ed4e9e/original.png?1721646155" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:280px;" width=3D"280" =
alt=3D"Location pointer with a padlock, QR code and avatar icon.">=0A=
                            </a>=0A=
                          </td>=0A=
                        </tr>=0A=
                      <!-- Image End -->=0A=
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              </td>=0A=
            </tr>=0A=
            <!-- Header End -->=0A=
=0A=
            <!-- Intro Start -->=0A=
            <tr>=0A=
              <td align=3D"center" style=3D"padding:0px 20px;">=0A=
                <table align=3D"center" class=3D"fullWidth" =
width=3D"570" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                  <tr>=0A=
                    <td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:center;padding:20px 0px 30px =
0px;">Switch on two of three optional security controls  to stay extra =
safe and stop fraudsters in their&nbsp;tracks.<br><br>Use known =
locations, a trusted contact, or a secret QR code to confirm it's really =
you making big payments or large withdrawals.=0A=
                    </td>=0A=
                  </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Intro End -->=0A=
=0A=
            <!-- CTA Start -->=0A=
                  <tr>=0A=
                    <td align=3D"center" style=3D"padding:0px 20px 30px =
20px;">=0A=
                      <table align=3D"center" class=3D"fullWidth" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
                        <tr>=0A=
														<td align=3D"center">=0A=
															<table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">=0A=
                                      <tr>=0A=
                                        <td align=3D"center">=0A=
                                          <div>=0A=
                                          <!--[if mso]>=0A=
                                            <v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" style=3D"height:40px;v-text-anchor:middle;width:280px;" =
arcsize=3D"63%" stroke=3D"f" fillcolor=3D"#218FB7">=0A=
                                              <w:anchorlock/>=0A=
                                              <center>=0A=
                                            <![endif]-->=0A=
                                            <a class=3D"fullWidth" =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" target=3D"_blank" =
style=3D"background-color:#218FB7;border-radius:25px;color:#ffffff;displa=
y:inline-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Add=
 now</a>=0A=
                                            <!--[if mso]>=0A=
                                              </center>=0A=
                                            </v:roundrect>=0A=
                                          <![endif]-->=0A=
                                          </div>=0A=
                                        </td>=0A=
                                      </tr>=0A=
                                </table>=0A=
															</td>=0A=
														</tr>=0A=
                      </table>=0A=
                    </td>=0A=
                  </tr>=0A=
            <!-- CTA End -->=0A=
            =0A=
            =0A=
=0A=
            <!-- Module 1 Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                      <!-- Subheader Start -->=0A=
                        <tr>=0A=
                          <td class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'Oldschool', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:32px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:center;padding:30px 20px 20px =
20px;">Choose at least 2 of 3 security controls=0A=
                          </td>=0A=
                        </tr>=0A=
                      <!-- Subheader End -->=0A=
                        <tr>=0A=
                          <td align=3D"center" style=3D"padding:10px =
20px 10px 20px;">=0A=
                            <table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center" class=3D"mPad2" =
style=3D"padding:20px 0px;">=0A=
                                  <table align=3D"center" =
class=3D"fullWidth" width=3D"570" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"200" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt; width:200px;float:left;" role=3D"presentation">=0A=
                                          <!-- Image Start -->=0A=
                                          <tr>=0A=
                                            <td align=3D"center">=0A=
                                                <a =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" target=3D"_blank">=0A=
                                                  <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/669e3f3ffa484329a78f8f50/original.gif?1721646911" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block; width:200px;height:200px;" =
width=3D"200" height=3D"200" alt=3D"Monzo app screen with location =
selection screen, followed by a field to name your location and =
confirmation screen.">=0A=
                                                </a>=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Image End -->=0A=
                                        </table>=0A=
                                        <!--[if =
mso]></td><td><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"20" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
                                          <tr>=0A=
                                            <td>=0A=
                                              &nbsp;=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                        </table>=0A=
                                        <!--[if mso]></td><td =
valign=3D"top"><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"350" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:350px;float:left;" role=3D"presentation">=0A=
                                          <!-- Title Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont2 =
textCenter tPad-0" align=3D"center" style=3D"font-family:'Oldschool', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:18px;line-height:26px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:45px 0px 0px =
0px;">Leave your savings at home=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Title End -->=0A=
                                          <!-- Copy Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'MonzoSansR', Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 0px =
0px;">Choose known locations only you can send large sums from =E2=80=93 =
like home or work. It's like hiding money under your mattress, only much =
cleverer (and safer).=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Copy End -->=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Module 1 End -->=0A=
=0A=
            <!-- Module 2 Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td align=3D"center" style=3D"padding:10px =
20px 10px 20px;">=0A=
                            <table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center" class=3D"mPad2" =
style=3D"padding:20px 0px;">=0A=
                                  <table align=3D"center" =
class=3D"fullWidth" width=3D"570" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"350" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:350px;float:left;" role=3D"presentation">=0A=
                                          <!-- Mobile Image Start -->=0A=
                                            <!--[if !mso]><!-->=0A=
                                            <tr>=0A=
                                              <td>=0A=
                                                <div =
class=3D"showMobile" =
style=3D"display:none;max-height:0px;max-width:0;overflow:hidden;">=0A=
                                                  <table align=3D"right" =
class=3D"fullWidth" width=3D"240" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:240px;" role=3D"presentation">=0A=
                                                    <tr>=0A=
                                                      <td =
align=3D"center" style=3D"padding:0px 0px 20px 0px;">=0A=
                                                        <a =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" target=3D"_blank">=0A=
                                                          <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/669e3f3c856a970076a6413e/original.gif?1721646907" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;width:200px;height:200px;" =
width=3D"200" height=3D"200" alt=3D"Monzo app screen showing trusted =
contact selection and request sent confirmation.">=0A=
                                                        </a>=0A=
                                                      </td>=0A=
                                                    </tr>=0A=
                                                  </table>=0A=
                                                </div>=0A=
                                              </td>=0A=
                                            </tr>=0A=
                                            <!--<![endif]-->=0A=
                                          <!-- Mobile Image End -->=0A=
                                          <!-- Title Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont2 =
textCenter tPad-0" align=3D"center" style=3D"font-family:'Oldschool', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:18px;line-height:26px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:30px 0px 0px =
0px;">Pick a trusted contact to double-check payments=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Title End -->=0A=
                                          <!-- Copy Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'MonzoSansR', Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 0px =
0px;">Ask a close friend or family member with Monzo to double check any =
bank transfers and savings withdrawals over your daily allowance.=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Copy End -->=0A=
                                        </table>=0A=
                                        <!--[if =
mso]></td><td><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"displayNone" width=3D"20" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
                                          <tr>=0A=
                                            <td>=0A=
                                              &nbsp;=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                        </table>=0A=
                                        <!--[if mso]></td><td =
valign=3D"top"><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"displayNone" width=3D"200" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt; width:200px;float:left;" role=3D"presentation">=0A=
                                          <!-- Desktop Image Start -->=0A=
                                          <tr>=0A=
                                            <td align=3D"center">=0A=
                                                <a =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" target=3D"_blank">=0A=
                                                  <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/669e3f3c856a970076a6413e/original.gif?1721646907" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block; width:200px;" width=3D"200" =
alt=3D"Monzo app screen showing trusted contact selection and request =
sent confirmation.">=0A=
                                                </a>=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Desktop Image End -->=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Module 2 End -->=0A=
=0A=
            <!-- Module 3 Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                        <tr>=0A=
                          <td align=3D"center" style=3D"padding:10px =
20px 10px 20px;">=0A=
                            <table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode2 fullWidth" width=3D"610" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:610px;border-radius:20px;" role=3D"presentation">=0A=
                              <tr>=0A=
                                <td align=3D"center" class=3D"mPad2" =
style=3D"padding:20px 0px;">=0A=
                                  <table align=3D"center" =
class=3D"fullWidth" width=3D"570" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:570px;" role=3D"presentation">=0A=
                                    <tr>=0A=
                                      <td align=3D"center">=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"200" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt; width:200px;float:left;" role=3D"presentation">=0A=
                                          <!-- Image Start -->=0A=
                                          <tr>=0A=
                                            <td align=3D"center">=0A=
                                                <a =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" target=3D"_blank">=0A=
                                                  <img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/669e443bdca1b62c106ccfb2/original.gif?1721648187" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block; width:200px;" width=3D"200" =
alt=3D"Monzo app screen showing Added Security controls, with a button =
to activate QR code selected followed by a QR code being placed in the =
centre of a square, and a QR code activation screen.">=0A=
                                                </a>=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Image End -->=0A=
                                        </table>=0A=
                                        <!--[if =
mso]></td><td><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"20" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:20px;float:left;" role=3D"presentation">=0A=
                                          <tr>=0A=
                                            <td>=0A=
                                              &nbsp;=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                        </table>=0A=
                                        <!--[if mso]></td><td =
valign=3D"top"><![endif]-->=0A=
                                        <table align=3D"left" =
class=3D"fullWidth" width=3D"350" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:350px;float:left;" role=3D"presentation">=0A=
                                          <!-- Title Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont2 =
textCenter tPad-0" align=3D"center" style=3D"font-family:'Oldschool', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:18px;line-height:26px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:30px 0px 0px =
0px;">Scan a secret QR code to confirm it's&nbsp;you=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Title End -->=0A=
                                          <!-- Copy Start -->=0A=
                                          <tr>=0A=
                                            <td class=3D"darkmodeFont1 =
textCenter" align=3D"center" style=3D"font-family:'MonzoSansR', Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 0px =
0px;">We'll email you a secret QR code to print out or store on another =
device. When you want to move money over your daily allowance, you'll =
need to scan it to confirm it's&nbsp;you.=0A=
                                            </td>=0A=
                                          </tr>=0A=
                                          <!-- Copy End -->=0A=
                                        </table>=0A=
                                      </td>=0A=
                                    </tr>=0A=
                                  </table>=0A=
                                </td>=0A=
                              </tr>=0A=
                            </table>=0A=
                          </td>=0A=
                        </tr>=0A=
                </table>=0A=
              </td>=0A=
            </tr>=0A=
            <!-- Module 3 End -->=0A=
=0A=
            <!-- CTA Start -->=0A=
                  <tr bgcolor=3D"#F2F8F3" class=3D"darkmode">=0A=
                    <td align=3D"center" style=3D"padding:10px 20px 30px =
20px;">=0A=
                      <table align=3D"center" class=3D"fullWidth" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
                        <tr>=0A=
														<td align=3D"center">=0A=
															<table width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">=0A=
                                      <tr>=0A=
                                        <td align=3D"center">=0A=
                                          <div>=0A=
                                          <!--[if mso]>=0A=
                                            <v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" style=3D"height:40px;v-text-anchor:middle;width:280px;" =
arcsize=3D"63%" stroke=3D"f" fillcolor=3D"#218FB7">=0A=
                                              <w:anchorlock/>=0A=
                                              <center>=0A=
                                            <![endif]-->=0A=
                                            <a class=3D"fullWidth" =
href=3D"https://clicks.monzo.com/f/a/ghdu46hS6zYRk4MkTxtrgQ~~/AAAHahA~/A3=
NSC5Md70bEmCsbJSUOtfFCVPCgXVs3EL_DV8EOZM2FvEkBFqKpxTZOOyV1FAchayB5B7yRK_l=
rP7927yXEK1RaAvC6whcn9vyGepmbXvw-xBCZjXNT2PBfuWQK71frsndngESDl2suscCtVgFt=
-Q~~" target=3D"_blank" =
style=3D"background-color:#218FB7;border-radius:25px;color:#ffffff;displa=
y:inline-block;font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-size:16px;font-weight:bold;line-height:40px;text-align:ce=
nter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Add=
 now</a>=0A=
                                            <!--[if mso]>=0A=
                                              </center>=0A=
                                            </v:roundrect>=0A=
                                          <![endif]-->=0A=
                                          </div>=0A=
                                        </td>=0A=
                                      </tr>=0A=
                                </table>=0A=
															</td>=0A=
														</tr>=0A=
                      </table>=0A=
                    </td>=0A=
                  </tr>=0A=
            <!-- CTA End -->=0A=
            =0A=
            =0A=
=0A=
            <!-- Awards Start -->=0A=
            <tr>=0A=
              <td align=3D"center">=0A=
                <table align=3D"center" bgcolor=3D"#F2F8F3" =
class=3D"darkmode2 fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
                  <tr>=0A=
                    <td align=3D"center" style=3D"padding:40px 0px 30px =
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