Monzo reviews

I’ve used Monzo for many years, I’ve used there premium service. Until now I’ve had nothing but good things to say about Monzo. I just had money scammed from my account. There was nothing they could do to get the money back, which I had to …

Worst experience I’ve ever had with a bank, they froze my account nearly 2 weeks ago with zero explanation and zero warning. I can’t send money or receive money, nor can I spend it. When I told them I have bills to pay and food to buy they …

Until this point I only have good things to say about this bank. They have been extremely helpful and fair with the issues I had. I had purchased items online but It turned out to be fraud. They disputed the payments and I got the money …

Hi everyone, I have decided to share my feedback in regards with this company. I did my first application like 1 year ago to open a current account( personal account ) with Monzo. I have been refused back then, for the unknown reason, even …

The app is very good and the only reason I haven’t left. In the 15 months or so I’ve been at Monzo I’ve had one good customer service experience and, recently, three extremely poor experiences that make me question if I will come to regret …

Complete rubbish behind cringey millennial-focused, emoji laden social media.

We recently took our complaint against Monzo to the Financial Ombudsman Service, …

Was happy over all until I requested assistance to cancel a recurring payment as I want get a response to cancel by the merchant. Apparently Monzo can’t stop the payment completely and there are methods the merchant can use to insure the …

I have been trying to retrieve my Money from Monzo for over a year now! Cannot get any information from anybody………..there standard response is contact us through the App. What App? I don’t have an App!!!. They have now blocked and locked my Account. Dreadful Bank with awful service!

Unprofessional seems like a load of children run this bank. Disgusting customer service. Stay away.
Update – I’m still trying to get my money back and this time Monzo are taking …

I thought this Monzo Bank Account is good but not really because there is hidden charge I guess which I have found out today. After I have used left over £27.24 would be but not it’s £25.06 and I’ve lost £2.18. Where is my £2.18 pence …

Had my account cancelled and taken off even when I had money inside it, they say they carnt give me a reason why they have cancelled the account. I’ve told them I want my bank statements and they just ignore me . Never go with Monzo . Your money would be safer left on your doorstep

Shocking Bank, I was scammed, within minutes realised and gave them all details, did the chat with them many times..kept saying fraud will get back to me, a month later they asked me two questions, which I had explained to them in the …

Today I got a notification from Monzo saying that my account was closed without reason nor notice.
When trying to get into the app to take a look, it didn’t let me. It showed the …

Initially a very good, user friendly bank. No issues. Since moving to an address where couriers keep delivering parcels to someone else’s address, which then get stolen by the tenant, this bank has been problematic. Since moving to this …

Without any explanation this bank informed me they will close my account 😳 They won’t tell me what’s the reason. I have never experienced anything like it with other bank 😤 I tried to contact them but customer service never answers 🤷‍♂️ Unacceptable service for a bank. Think twice before opening account with them. …

Most rubbish.problems with app but chat has no options, customer services will not take calls.
I tried to close my account but wouldn’t do it. …

Monzo is such a love/hate bank. I’ve used it since very early in creation and the app and features are awesome and have had vast improvements. As a banking app, it’s above all other U.K. banks for sure. …

Worst bank ever.

They really mess you about. I used to have an account, then I closed it for …

Worst fing bank ever. I felt victim of a charge back scam.normally a bank will contact you and asked for proof. While monzo just blocked my account and reported me to cifa. Dua to which i cant even open a bank account and now my own bank …

The worst customer service ever. Takes days/weeks to respond. Can never solve any issues with payments. It looks like monzo is hiring people that know nothing about finance and banking. …

A bank that is only good if you want to get paid a day half a day early. Overall: …

Dreadful bank, I’ve had my business bank account frozen because I made a BUSINESS size transaction. No straight answer from anyone, just the same reply every time ‘we have no update’. I will be closing the account immediately once re opened.

Atrocious customer service. Account cleared out by debit card fraud. In-app chat useless. Mostly canned responses and when a human does type a message it’s full of typos and just as useless. Avoid – not worth the stress.

Run away from this bank. They just stole £3,000 from me. They froze my account. No support at all, over the phone same thing, after hours of wait they just say “we cannot do anything, however we can take your complaint”

Tried to open a joint account with my wife who was also a long time user of a normal account, and was told we weren’t eligible and that they couldn’t tell us why. So we closed our accounts and went to Starling completely hassle free.

I had a Monzo account back in 2019, it was a Debit card NOT CREDIT card. I had 5£ on it and someone in America used it for 87£. Now Monzo is asking me to pay 82£ . How is that possible. Was it suppose to be a DEBIT card. If I had only 5£ , …

Worst bank and customer care service.Please do not open any account with them. They freez my account once I attempt to do a transaction and holding my money. Listen no one will answer the call in customer care service.PLEASE DO NOT JOIN THIS BANK.If I could rate below zero I could have done.

Stay well away they have just stolen my money, sent a message this morning saying there closing my account before I could find out why no way of getting it back. On a bank holiday as well I’ve got children and am disabled.

Go elsewhere like a proper bank – Monzo whether it is management, complaints or the staff that deal with the emails/calls don’t have a clue what they’re doing. …

if there would be 0 star option i would do so. my account is blocked because of the fraud bla bla bla and now i cannot even get on bus because i only have monzo card on me. still waiting for the representative to reply back and loosing my …

Called twice, first, agent hung up, messaged me in chat and then never replied. (After 48 mins of hold music). Second time, held for 20 mins, agent said she couldn’t hear me. Such annoying hold music. Can’t find chat in app 😡 …

Please please don’t do it to yourself. Super vulnerable to fraud yet they don’t handle it.
I had a fraudulent payment pending, called them straight away, instead of …

Terrible experience. Do not upload any documents or information here. Even if you ask them to delete everything about you, they save and keep everything for 6 years. They ask for a lot of personal and sensitive information, when you send it, they ask for more. Unbelievable audacity. I will file a complaint against them. AVOID.

If you make a mistake while signing up there is no way of going back. You then have to contact customer service who asked for personal information. Having missed to provide a phone number and maybe they weren’t happy with the photo, they declined for me to set up an account. Not worth the time sorry.

It’s been nearly a week that I’m not able to download my statements online. I’ve been contacting Hundreds of times the customer service but they are always saying the same thing “our team of specialists are working on it”. I needed my …

They froze my account. No calls whatsoever. I started a chat and the person chatting with me had only one answer repeatedly saying there is nothing they can do at the moment. I’m gonna put my monzo card as soon as I get my money back.

I attempted to buy something from Harrods 5 hours ago on my Monzo business account – Monzo suspected fraud so blocked both my business and personal account (including being able to transfer any money to another account). You can’t get …

Awful customer service, 3 weeks later and I am still trying to get an issue sorted out with them. I would not recommend this bank to anyone.

Never use the bank.
We have sent 6 cheques together 3 credited and they don’t know about the rest of the three large amounts. No one picking the call at all and chatting rubbish.

Do NOT use this bank.
I told them I got paid back from my dispute as the fraudster company taking my money paid me back once he saw I had a dispute raised. I told Monzo this over a …

Not a trust worthy banking I would say. Money doesn’t come off the ATM but will be deducted. And the refund is a no show. Please don’t bank with monzo. There are quite a lot of trustworthy banking around.

Poor specialist team. Account frozen for a month all my funds stucked there. Still paying back money I borrowed during that period. Bank doesn’t think of customers pain. But they blocked you asap and do nothing to resolve your problem. Worst service ever.

We had the unfortunate privilege of somebody trying to set up illegal debit orders after getting hold of our bank details. Monzo notified us of suspicious activities and reassured us that nothing was going to be moved from our account. …

Moved to the UK from Australia, tried to open an account, I couldn’t without a job (fair enough). However, now that I have a job there doesn’t appear to be any way for me to open an account because my application was previously denied (noting there was no disclaimer about it being a single-attempt activation process)

Highly unprofessional bank, especially when it comes to fraudulent activity on your account. …

I’ve recently been a victim of fraud in my account where I’ve had money stolen from the account. I registered the case immediately when I noticed and the automated message said I would get help within 24 hours. I heard nothing, tried …

Impenetrable customer service – they just copy and paste the same message saying someone will contact you, but you never get a response.
Inefficient complaints process – no option to speak to the complaints team when …

Bad service while abroad. Difficult to get help as every 10 minutes someone new jumps to help, you have to repeat and repeat your issue.
While abroad a hotel took a preauthorisation transaction and rather than …

Sole reason for getting Monzo was to open a joint account with my partner. I tried to do so via the app which said i was not eligible for a joint account. I called customer service to be told there is absolutely no reason me or my partner …

Rubbish bank, unexpectedly blocks your account for months on end and then expects you to take responsibilities for all losses. Ignores all emails. I do not recommend this bank

Monzo blocked my friend’s £1000 account and they haven’t helped for 4 days now. Talk on the phone – write in the chat. You write in the chat, answer questions about why you use their bank and what you want to pay for with your money, and …

I had an issue with fraud and the first two times my account was used for something I didn’t do they called me and cancelled it fine. After that, they refused to believe that the transactions were fraudulent and refused to help me. There …

Absolutely pathetic service!! Had complaint, to which noone replies, then they did a month later. I replied back but now noone replies again! Phone services are the worst, actually dont think anyone agent is around for calls. Been on a call …

Terrible serive! Asked the team to update my home address MONTHS ago and followd up with many emails to receive my card but did not get a response. Avoid this challenger bank and go with others as they provide better customer service! 0 start or negative infinity !

Please be careful joining Monzo, I had someone do fraudulent transactions on my Monzo card after losing it and they didn’t believe this had happened. I would stay well away

Always thought Monzo was a good concept in banking until I had an issue. I basically sent a bank transfer of £40 to somebody who I never knew on Facebook market place for an item. I used my prepaid card and transfered money from my main …

Had my account frozen without warning or notification my account was being frozen to receiving an email saying my account will be closed, not to sure as to why as its only my wages going in and out of my account they have said to me it can …

It is strange that they won’t allow a financial adviser to open an account with them, bearing in mind I’ve been authorised by the FCA 18 years longer than they have.

I have in my account around £800 and suddenly someone trying to use my card are no how its fraud actually and all the money i have it’s gone Without my proof, without my knowledge And when i report to Monzo team about this situation the …

It’s not respectful to have a client on a wait over the phone for more than 45 minutes hoping he is going to hang up. I really don’t know how Monzo is voted as the best bank in the U.K… whom did they ask in first place?

I have been using Monzo since December 2018 and they have always been very helpful and responsive. Whether it has been something as simple as a card replacement to something as difficult as dealing with online transactional fraud; Monzo …

Worst bank ever my son is with Monzo and has nothing but problems stay well clear they are fraudsters who hang onto your money to make interest on it and claim the account is fraudulent

I have been in the phone queue for 2 hours with no response with a query about my account. Very slow to respond by e-mail and the customer service team do not even make an attempt to answer my question. No explanation is given. Avoid at all costs.

Monzo didn’t want my custom. Reconsider your decision, for me to reconsider my review!

They are fine to use until anything goes wrong.

I raised a chargeback because I booked car hire for a holiday which I never …

The app is extremely easy to use and so simple to sign up. But customer service is non existent and if you have a problem, you will not be helped, which as a long time customer with a premium account makes me seriously consider going back to traditional banking

Monzo will never side with you as a customers. then will always find an excuse. They have released new feature in February: Mastercard AutoUpdate Service – and you are opted in to it automatically. If you activate your card and not notice …

Monzo froze £5000 of mine. A manager ( unnamed) promised to contact me but unsurprisingly did not. They informed me they are allowed to take 12 days to investigate so instead of returning the money to my First Bank current account, they …

MONZO ARE FREEZING ACCOUNTS DUE TO BREXIT
If you have European connections, please beware.
They are freezing accounts and not allowing clients to talk with compliance. …

I’ve been with Monzo for years now and EVERY TIME I need to speak to them urgently it’s a pain. …

This is a bank that helps fraudsters and that doesn’t do anything to protect their customers. Stay away. Go with one of their competitors instead.

Usless people, tried to change my contact number. But kept on requesting proof of ownership of the number. I contacted my operator and was told since the number I want to use is a pay as you go they dont provide invoice or a bill. They just …

amazing customer services. The help I got from Monzo every time I have raised an issue is indeed of 5 starts. I have raised a dispute with the bank since the company charging me unfairly could not be reported at all in UK. However, with the …

Longest time I’ve ever been on customer support line. Unhelpful

Not sure why negative reviews. I’ve been using Monzo for over a now and no issues whatsoever. Everything straight forward. I have also taken a loan to pay off my car, did all via the app and its all clearly displayed including outstanding balance. So far so good.

The sign up process is fairly easy and the app is easy to use. A Monzo account may be good for smaller, more sporadic payments. …

I’m very happy with them! Everything what need for dayly transactions! For travel 🧳 online payment I found its the best way!
Thank you Monzo Team! …

Long term customer. Never been overdrawn. Tried to open a joint account. App failed to send the notification to my partner. Now customer services are saying it is not an app issue and that we have been refused a joint account. There is no …

I would not recommend this bank I opened a account and had it for less than one month and they paused my account and paused all my funds. They started to question where my money came from and who paid me. I had tried to call the bank to …

The bank are very childish and extremely unprofessional.
Refused to refund me 5k once my card was stolen.
All my money was taken within 2 hours. …