At Monarch, we take security very seriously and have implemented various protective measures to help keep your account secure. Below, you’ll find answers to common login-related questions and troubleshooting tips to resolve any issues you may encounter.

Table of Contents

• I can’t log in—what should I do?
• I have an account, but keep getting asked to create a new one.
• Why did I get a password breach warning?
• Why am I being asked to verify my email, or why did I get an email verification message instead of a code?
• Why am I receiving a one-time passcode (OTP) email when logging in?
• Why am I not receiving my verification code email or other expected emails?
• I'm trying to download an authenticator app to use MFA and am getting an 'integrity requirement' error. What's happening?

• Why did I receive a verification code email If I don’t have a Monarch account?

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I can’t log in—what should I do?

If you're having trouble logging in, try the following steps:

• Try manually typing your username and password rather than allowing a password manager to fill it in.
• Check which login method you used. Monarch supports three sign-in methods — email + password, Continue with Google, and Continue with Apple. These are not interchangeable. If you signed up with Google or Apple, there is no password to reset via the Forgot Password link. Try each method if you're unsure which you used.
• Double check for typos or extra spaces in your email or password.
• Using a VPN? Disable it and try again.
• Try resetting your password via the Forgot Password link (email login only).
• On mobile? Ensure your app is updated to the latest version and that you're tapping the Sign in link, not Sign up.
• Try a different internet connection (Wi-Fi vs. mobile data).

If none of these steps work, contact us at support@monarch.com and we'll be happy to help.

I have an account, but keep getting asked to create a new one. 

This is usually caused by one of the following:

You may be logging into the wrong account. If you have a paid Monarch subscription, make sure you're using the email associated with your paid account — not a free trial or separate account created accidentally. Try searching your inbox for a welcome or receipt email from Monarch to find the right address.

You may be using the wrong login method. If you signed up with Google or Apple, using the email + password flow will appear as though you're creating a new account. Try "Continue with Google" or "Continue with Apple" instead. If you'd like to switch to email + password sign-in, see: Switch to Direct Sign-In or Disconnect Your Apple/Google Sign-In.

Signed up with Apple Hide My Email? If you used Apple's Hide My Email feature, your Monarch account is tied to a private relay address (e.g. abc123@privaterelay.appleid.com), not your personal email. Use "Continue with Apple" to log in — do not try signing in with your personal email address. If you're having trouble locating your relay address, visit Apple's support page.

You may be clicking Sign up instead of Sign in. On mobile, make sure you tap the Sign in link rather than any of the links at the bottom of the screen (see screenshot below).

If you've tried all of the above and still can't access your paid account, email support@monarch.com and we'll help locate it.

Why did I get a password breach warning?

Monarch proactively checks whether the login credentials you're using may have been compromised in a known data breach. This warning does not mean Monarch was breached — it means the credentials you're using have appeared in breach data from other services, and we're flagging them to help keep your account safe.

If you receive this warning:

1. Change your password immediately to a strong, unique one or use one suggested by a password manager.
2. Consider enabling Multi-Factor Authentication (MFA) for added security. Learn how in our Multi-Factor Authentication article.

3. Consider signing in with Google or Apple instead of an email/password combination.

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Why am I being asked to verify my email, or why did I get an email verification message instead of a code?

This email is typically sent when someone clicks Sign up instead of Sign in. To make sure you're accessing your existing account:

• On web, go directly to the sign-in page.
• On mobile, tap the Sign in link in the upper-right corner rather than the links at the bottom of the screen.

If you're already on the correct sign-in page and are still receiving this email, contact us at support@monarch.com.

Why am I receiving a one-time passcode (OTP) email when logging in?

To enhance account security, Monarch requires a one-time passcode when logging in from an unrecognized device or browser. Since device recognition isn't always perfect, you may receive this code even on a previously used device.

If you're receiving a verification code on every login, this is usually caused by one of the following:

• You're using incognito or private browsing mode, which clears cookies after each session.
• Your browser is set to clear cookies when it closes.
• You're using a VPN that changes your IP address.
• You're on an outdated version of the mobile app — make sure your app is updated to the latest version.

Switching to a standard (non-incognito) browser session and allowing cookies should reduce how often this happens. To reduce these prompts further, consider signing in with Google or Apple instead of email + password.

If the issue continues after trying these steps, contact us at support@monarch.com.

Why am I not receiving my verification code email or other expected emails?

If you're expecting a verification code but haven't received it:

1. Check your spam or junk folder and search for "Monarch." The subject line will be Monarch code: ######.
2. Make sure you're on the latest version of the mobile app.

3. If the issue persists, contact support@monarch.com. Our team can check whether the email was successfully sent and whether your address may need to be unblocked on our end.

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I'm trying to download an authenticator app to use MFA and am getting an 'integrity requirement' error. What's happening?

If you see the message "This app does not meet minimum integrity requirements," it means your device doesn't meet the security standards required to run the authenticator app. This can be caused by an outdated operating system, a rooted or jailbroken device, an unlocked bootloader, or a custom operating system. This is a device-level issue and is not related to Monarch or the authenticator app itself.

Why did I receive a verification email If I don’t have a Monarch account?

Someone may have entered your email address within Monarch — either by mistake or intentionally. For security reasons, we always send a verification code before confirming any account changes or creating a new account. If you didn't request this, you can safely ignore the email. No action is required and no account was created.