Monzo is the most horrible bank that I have ever experienced. I was asked to provide the evidence to the Help team but no reply at all. Even after raising a formal complaint, the Complaint team keeps passing me on to new team members and keeps missing the deadlines promised by themselves. It’s absolutely fine if you have no problem otherwise it’s nightmare to deal with Monzo. I wonder if they deliberately trying to delay the whole process by holding the customers’ money for their profit making purpose?