Fraudulent. Do not use. You will honestly regret it. I got paid yesterday, I tried to make a transaction they flagged as fraud. I explained it wasn’t, they have locked my entire account. I explained to them I have business travel so need access to my money, that I can’t afford to buy food without that money… they simply do not care. I have called and called to the point of tears and all I get is… we will look into this but can’t give a timeframe. They continue to just lock money up, clearly their system to protect against fraud does not work. How can they lock my entire account so I can’t access any money??? Crazy. I will take legal action against Monzo for the stress caused.