I transferred £7,500 into Monzo expecting to use it for a personal investment. Instead, they immediately froze my account without warning and have now been holding my funds hostage for days, with no clear reason or timeline. Every time I contact support, I’m told to “wait for a specialist” with no accountability, no timeframe, and zero transparency. They say it’s “to keep me safe” — but I’m not a fraud victim, I’m the actual account holder trying to use my own money. It’s now looking like I could be waiting weeks or even months while they “investigate” something they won’t even explain. This feels like legalised theft. If you’re thinking of banking with Monzo — don’t. Stick with a real bank that respects your right to access your own funds.