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<!DOCTYPE html><html lang="en-GB" dir="ltr" data-testid="v2" class="ds-v1"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, height=device-height, initial-scale=1, maximum-scale=5"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/cb453d3c0d5358740a5158924ff850f9b7b31def/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><link rel="shortcut icon" type="image/png" href="https://static-assets.monzo.com/monzo-com/cb453d3c0d5358740a5158924ff850f9b7b31def/_next/static/media/favicon.87a9df8c.png"/><title>Monzo - Frequently asked questions</title><link rel="icon" href="https://static-assets.monzo.com/monzo-com/cb453d3c0d5358740a5158924ff850f9b7b31def/_next/static/media/favicon.87a9df8c.png" sizes="any"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/cb453d3c0d5358740a5158924ff850f9b7b31def/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><meta name="theme-color" content="#112231"/><meta 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HeaderVariant_logoLink___LBJB" data-monzoanalytics-no-tracking="true" role="link" target="_self" rel="" aria-label="Monzo Bank Homepage" tabindex="0" href="/"><span aria-hidden="true"><span class="Button_text__S2FJ_"><div class="HeaderVariant_logoImageContainer__HlZzw"><svg viewBox="0 0 112 21"><path fill="currentColor" d="M0 19.3V.7h4.958v2.493a5.505 5.505 0 0 1 5.063-2.84 5.671 5.671 0 0 1 5.166 2.98c1.941-2.045 3.432-2.98 5.756-2.98 4.195 0 6.553 2.354 6.553 6.686V19.3h-5.34V9.222c0-2.598-.554-3.776-2.6-3.776-2.08 0-3.19 1.281-3.19 3.776V19.3h-5.374V9.222c0-2.598-.555-3.776-2.601-3.776-2.08 0-3.19 1.281-3.19 3.776V19.3H0ZM33.82 3.124a9.832 9.832 0 0 1 16.816 6.76 9.47 9.47 0 0 1-2.808 6.997 9.655 9.655 0 0 1-7.074 2.91 9.208 9.208 0 0 1-7.038-2.98 9.716 9.716 0 0 1-2.74-6.859 9.528 9.528 0 0 1 2.844-6.828Zm6.969 11.467a4.6 4.6 0 0 0 4.387-2.701 4.59 4.59 0 0 0-3.234-6.381 4.602 4.602 0 0 0-4.776 1.933 4.592 4.592 0 0 0-.78 2.577 4.487 4.487 0 0 0 4.403 4.572ZM54.118 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data-testid="seo-navigation-renderer"><ul><li data-testid="seo-navigation-renderer-top-level-item"><h2>Personal</h2><ul><li data-testid="seo-navigation-renderer-landmark"><h3>Current accounts</h3><p>It all starts with our personal current account</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/personal" data-monzoanalytics-no-tracking="true">Personal account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/joint-account" data-monzoanalytics-no-tracking="true">Joint account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/under-16s" data-monzoanalytics-no-tracking="true">Under 16s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/16-17" data-monzoanalytics-no-tracking="true">16-17s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account" data-monzoanalytics-no-tracking="true">See all current accounts</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Plans</h3><p>Upgrade your personal account from £3 a month</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/plans" data-monzoanalytics-no-tracking="true">Compare plans</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Why Monzo?</h3><p>Bank on an award-winning app</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/pots" data-monzoanalytics-no-tracking="true">Save with Pots</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/cashback" data-monzoanalytics-no-tracking="true">Earn cashback</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/travel" data-monzoanalytics-no-tracking="true">Travel without fees</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/shared-tabs-more" data-monzoanalytics-no-tracking="true">Spend with friends</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/get-paid-early" data-monzoanalytics-no-tracking="true">Get paid early</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/security" data-monzoanalytics-no-tracking="true">Protect your money</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/see-your-mortgage" data-monzoanalytics-no-tracking="true">Connect your mortgage</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/refer-a-friend" data-monzoanalytics-no-tracking="true">Refer a friend</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Savings</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings">Saving with Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings/instant-access">Instant access savings</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Investments and pensions</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/investments">Investments</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/pensions">Pensions</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Credit cards and loans</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex">Flex credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/loans">Loans</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/overdrafts">Overdrafts</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Help and support</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help">Help centre</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/security">Security at Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/fraud">Staying safe from fraud</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/money-worries">Support with money worries</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switching to Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-plus">Plus help</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-premium">Premium help</a></li></ul></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switch to Monzo</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h2>Business</h2><ul></ul></li></ul></div><div class="HeaderVariant_headerNavigationExtras__fnwGF"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ NavigationPrimaryCTA_navigationPrimaryCTA__4GFHH HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Sign up"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div><div style="position:relative"><ul data-orientation="vertical" class="NavigationTopLevelItems_navigationTopLevelItemsList__fJhlK" dir="ltr"><li class="NavigationTopLevelItems_navigationTopLevelItem__bhgjl NavigationTopLevelItems_isMobileVisible__J__pz"><button data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=navigation top level item&link_text=Open Personal navigation&link_location=header - Level 1&currentUrl=/faq" id="radix-:Ra9b6:-trigger-personal" data-state="closed" aria-expanded="false" aria-controls="radix-:Ra9b6:-content-personal" class="NavigationTopLevelItems_navigationTopLevelItemTrigger__hezLF" aria-label="Open Personal navigation" data-radix-collection-item=""><div class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="personal-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.5 10.833c3.606 0 6.544 2.149 6.663 4.832l.003.168c0 .92-.746 1.667-1.666 1.667h-10c-.92 0-1.667-.746-1.667-1.667 0-2.761 2.985-5 6.667-5Zm0-8.333a3.333 3.333 0 1 1 0 6.667 3.333 3.333 0 0 1 0-6.667Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Personal</span><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg width="1em" height="1em" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M15.88 9.29006L12 13.1701L8.11998 9.29006C7.72998 8.90006 7.09998 8.90006 6.70998 9.29006C6.31998 9.68006 6.31998 10.3101 6.70998 10.7001L11.3 15.2901C11.69 15.6801 12.32 15.6801 12.71 15.2901L17.3 10.7001C17.69 10.3101 17.69 9.68006 17.3 9.29006C16.91 8.91006 16.27 8.90006 15.88 9.29006Z" fill="currentColor"></path></svg></div></div></button><div class="NavigationTopLevelItems_navigationTopLevelToggleContainer__ag2Yv" role="button" tabindex="0" aria-label="Toggle Personal navigation menu"><div class="MobileNavigationToggle_mobileNavigationToggle__4Z_F_ MobileNavigationToggle_onWhite__tdPhh"><div class="MobileNavigationToggle_mobileNavigationToggleContent__sUo9Z"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24"><path fill="currentColor" d="M4 18h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1Zm0-5h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1ZM3 7c0 .55.45 1 1 1h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1Z"></path></svg></div></div></div></li><li><a class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Business&link_location=header - Level 1&link_type=navigation&url=/business-banking&currentUrl=/faq" href="/business-banking"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="business-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.834 1.667a2.5 2.5 0 0 1 2.495 2.353l.005.147V5h.833v12.5H5.834V5h.833v-.833A2.5 2.5 0 0 1 9.02 1.67l.147-.004h1.667ZM4.167 5v12.5h-.833c-.92 0-1.667-.746-1.667-1.667V6.667c0-.92.746-1.667 1.667-1.667h.833Zm11.667 0h.833c.92 0 1.667.746 1.667 1.667v9.166c0 .92-.747 1.667-1.667 1.667h-.833V5Zm-5-1.667H9.167a.834.834 0 0 0-.828.737l-.005.097V5h3.333v-.833a.833.833 0 0 0-.833-.834Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Business</span></a></li></ul></div></nav></div><div class="HeaderVariant_mobilePrimaryCTAExperiment__gNqIQ"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Open a Monzo account"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div></div></header><main id="mainContent" class="Main_main__qK_Jw Main_secondary__AtY_D"><div class="SimpleHero_simpleHero__ormCq SimpleHero_paleBlue__LravF light"><div class="Block_block__Q3GQF Block_widthFull__WEEtp Block_paleBlue__UhzlX Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalSmall__i62HY Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><h1 class="Title_title__6QR87 Title_primary__m7Tjj Title_xxlarge__Pz7fn Title_center__fqUI_ Title_marginBottom__TiQqA" id="frequently-asked-questions">Frequently Asked Questions</h1><div class="Text_text__CSJ_O Text_lead___fdMb"><p>New to Monzo and got questions? Hopefully we can answer them below! If you already have a Monzo card, the Help tab in your app is the best place to find answers.</p></div></div></div></div><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Accordion_Accordion__a3Zuv Accordion_light__6aRHQ"><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="is-monzo-a-bank">Is Monzo a bank?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, "Monzo Bank Ltd" is fully authorised in the UK by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 730427.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="how-do-i-get-a-monzo-account">How do I get a Monzo account?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>It's really easy! Just download the Monzo app on either <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st?adj_t=ydi27sn&adj_engagement_type=fallback_click&adj_redirect=https%3A%2F%2Fmonzo.com%2Fdownload" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">iOS</span></a> or <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://app.adjust.com/9mq4ox7?engagement_type=fallback_click&fallback=https%3A%2F%2Fmonzo.com%2Fdownload&redirect_macos=https%3A%2F%2Fmonzo.com%2Fdownload" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Android</span></a>, sign up in just a few minutes and you're done.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="is-my-money-safe-with-monzo">Is my money safe with Monzo?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS), up to a value of £85,000 per person.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="do-i-need-to-be-a-uk-resident">Do I need to be a UK resident?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes, you currently need to be resident in the UK to get a Monzo card. We hope to launch internationally in the future though!</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="what-age-do-i-need-to-be">What age do I need to be?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Currently, you must be 16 or older to get a Monzo card. We're hoping to lower this in the future!</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="what-fees-do-you-charge">What fees do you charge?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>We charge fees for some of our services, depending on how you use your account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Payments by card</strong> Card payments in the UK and abroad are all free.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Withdrawing cash</strong> If you're withdrawing cash in the UK or the European Economic Area (EEA), withdrawals are fee-free up to £400, with a 3% fee after – unless you're using Monzo more as a main bank than a spending account or if you have Monzo Plus, in which case there's no fee. There's more information in our <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/fee-information" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Fee Information document</span></a>.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Card replacements in the UK</strong> If you’re the victim of fraud, if your card is stolen or if it expires, we’ll replace your card for free in the UK. Otherwise, it costs £5 to deliver a replacement card. If you’re relying on Monzo more as a main bank or if you have Monzo Plus, you’ll get two extra card replacements for free. If you have Monzo Premium, it’s £50 to replace your metal card. There's more information in our <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/fee-information" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Fee Information document</span></a>.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Card replacements abroad</strong> Delivering a Monzo card abroad costs £30 in all circumstances, including cases where your card has been stolen, frauded or expired. If you have Monzo Premium, it’s £80 to replace your card abroad (that’s the cost of the card and international delivery). There's more information in our <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/fee-information" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Fee Information document</span></a>.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="do-you-offer-joint-accounts">Do you offer joint accounts?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes we do! To get a joint account between two people, you both need to have a Monzo current account and have 'Payments with Friends' activated. You'll find the 'Create a joint account' button on the Profile page on iOS and your Settings on Android. Unfortunately, you can't have a joint account between more than two people.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="do-you-support-apple-and-google-pay">Do you support Apple and Google Pay?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Yes! We fully support both Apple Pay and Google Pay</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="why-cant-i-login-to-my-monzo-account">Why can't I login to my Monzo account?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you already have an account with Monzo, you've tried logging into your app but have been asked to verify your phone number, you may have accidentally signed up for a new account.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>To fix this issue you'll need to delete and reinstall the app and log in from the beginning using the email address you originally signed up with 👍.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you can't remember what email this is, search in your inbox for your original signup email from us.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="how-do-i-complain">How do I complain?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you would like to make a complaint, please get in touch and we will look into this as soon as possible.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>App</strong>- If you are a customer, you can send us a message through the App Chat.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Phone</strong> - Our calls teams are happy to speak to you and will raise a complaint for you. Call us on 0800 802 1281 or +44 203 872 0620 when calling from abroad.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Email</strong> - Email us at <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="mailto:help@monzo.com" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">complaints@monzo.com</span></a></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Post</strong> - If you’d prefer, you can put your complaint in writing and send it to: Customer Advocacy Team, Broadwalk House, 5 Appold St London, EC2A 2AG</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>What happens next?</strong> We will be in touch within 3 business days to try and resolve your issue for you. If we are unable to resolve your complaint in this time, you should know that we're typically allowed up to 8 weeks to investigate a complaint and produce what is referred to as our final response. If you are unhappy with our final response, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of our final response. The Ombudsman’s address is: Financial Ombudsman Service, Exchange Tower, London, E14 9SR</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>They can be reached by phone at 0800 023 4567 or 0300 123 9123 . Or, you can visit their <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.financial-ombudsman.org.uk/consumer/complaints.htm" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">website</span></a>. You can also see an online version of their <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">consumer leaflet</span></a>.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Don't want to complain but want to give us feedback?</strong> Please share your thoughts in the Community Forum or via the App Chat and we'll ensure this information is passed on to the relevant team.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="what-do-i-do-if-someones-died">What do I do if someone's died?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Let us know at <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="mailto:bereavements@monzo.com" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">bereavements@monzo.com</span></a> and we'll do everything we can to help.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_subheading__da038 Title_left___R_Ga" id="i-need-my-transaction-history-and-ive-closed-my-account">I need my transaction history and I’ve closed my account</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Once your account is closed, we’ll email you to confirm and attach a statement showing your full payment transaction history. This document will be password protected, and we’ll also send you the password to open it in a text message.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you need to request a copy of your transaction history after you close your account you can find the information on how to do that in our <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/help/legal-stuff/closed-account-bank-statement/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Getting full transaction history for closed Monzo accounts</span></a> help article.</p></div></div></div></details></div></div></div></div></section><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you're looking for our PS17/26, a <a href="https://www.fca.org.uk/publications/policy-statements/ps17-26-information-about-current-account-services" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&link_location=Text inline&link_text=document from the Financial Conduct Authority&url=https://www.fca.org.uk/publications/policy-statements/ps17-26-information-about-current-account-services&currentUrl=/faq">document from the Financial Conduct Authority</a> with information about our current account, you can <a href="https://monzo.com/information-about-current-account-services/" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&link_location=Text inline&link_text=find it here&url=https://monzo.com/information-about-current-account-services/&currentUrl=/faq">find it here</a>.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you're looking for information about the Payment Services Directive, you can <a href="http://europa.eu/rapid/press-release_MEMO-15-5793_en.htm" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&link_location=Text inline&link_text=find it here&url=http://europa.eu/rapid/press-release_MEMO-15-5793_en.htm&currentUrl=/faq">find it here</a>.</p></div></div></div></div></section><section class="Section_section__mRxGN Section_secondary__NxgD1 stack"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><h2 class="Title_title__6QR87 Title_primary__m7Tjj Title_medium__e61O9 Title_left___R_Ga Title_marginBottom__TiQqA" id="still-need-help">Still need help?</h2><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_small__NywqV Title_left___R_Ga Title_marginBottom__TiQqA" id="you-can-email-us-at">You can email us at</h3><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_self" href="mailto:help@monzo.com" rel="noopener noreferrer external"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_medium__3gE26" src="/images/icons/dark/email.svg" aria-hidden="true" alt="" loading="lazy"/></span><span class="Button_text__S2FJ_">help@monzo.com</span></a></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><h3 class="Title_title__6QR87 Title_primary__m7Tjj Title_small__NywqV Title_left___R_Ga Title_marginBottom__TiQqA" id="you-can-call-us">You can call us</h3><section class=" undefined Table_Table__9UyaW undefined Table_light__HI_vs Section_section__mRxGN Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalXsmall__DiuSr Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><table><thead><tr><th>Account type</th><th>From the UK</th><th>From abroad</th></tr></thead><tbody><tr><td>Current account</td><td><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_self" href="tel:+448008021281" rel="noopener noreferrer external"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_medium__3gE26" src="/images/icons/light/device.phone.svg" aria-hidden="true" alt="" loading="lazy"/></span><span class="Button_text__S2FJ_">0800 802 1281</span></a></td><td><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_self" href="tel:+442038720620" rel="noopener noreferrer external"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_medium__3gE26" src="/images/icons/light/device.phone.svg" aria-hidden="true" alt="" loading="lazy"/></span><span class="Button_text__S2FJ_">+44 20 3872 0620</span></a></td></tr></tbody></table></div></div></div></section><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The number and email address above are only for customer support queries and we won't be able to help with other questions.</p></div></div></div></div></section><div class="CTASection_cta__tFYme CTASection_aboveFooter__B_5Ct "><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw Block_coral__27ckz Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_paddingHorizontalSmall__i62HY Block_paddingVerticalXxlarge__Ylzar Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE CTASection_ctaSectionBlock__8SQt9"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj Title_large__HoUUC Title_center__fqUI_ Title_marginBottom__TiQqA" id="open-a-free-current-account">Open a free current account</h2><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>Download the Monzo app on iOS or Android and join more than 11 million personal and business customers who've changed the way they bank.</p></div></div></div><div class="Row_Row__NBdhV Row_center__Jve6z"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Apply for a Monzo account</span></a></div></div></div></div></section></div></main><div class="Footer_footerContainer__c1N4v Footer_forceDarkMode__Oimpe"><footer class="Footer_Footer__MDr8W 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