Monzo Reviews

Name: Monzo
Rating: 1.59

1.6 Rating 227 Reviews

15 %

of reviewers recommend Monzo

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Metrics

1.6

Based on 227 reviews

Shipping & Delivery
Delivery Methods	Courier
Customer Service
Communication Channels	Live Chat, Email, Telephone
Queries Resolved In	Over A Week
Customer Service	1.3 out of 5

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Stumbled Upon ‎(+ 1 3 2 6 2 09 03 2 5) When I Thought My Scammed Crypto Was Gone For Good.

Harrylucy977 At Gmail . Com

Natalie Hojati And I Don't Care If They Know.

Anonymous

Anonymous // 01/01/2019

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“They blocked our account without any reason on Friday evening and go for the weekend. Now it is Sunday evening and still no access. Don’t use them at least not for your main account!”

Helpful Report

Posted 1 year ago

“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?”

Helpful Report

Posted 1 year ago

“I had spoken to a staff whose not alert and asked repeated questions wherein it’s in my message already that I sent to her in the chat. It’s been 34th days and still staff are still asking the same questions. Staff are not trained to deal with the frauds and scams. They are just normal people who doesn’t have knowledge at all the step by step on how to investigate fraud. It’s so irritating and it’s like you’re having a dumb conversation in the chat.”

Helpful Report

Posted 1 year ago

“I had £420 fraudulently taken from my monzo account. My card was still in my possession and my pin has never been shared with anyone. Somehow the individual making the transaction was able to circumnavigate the monzo security features which is that any online payment requires you to input a pin sent to your phone/app. On this occasion that did not happen and so the payment went through. Monzo recognised there was a problem as the company proceeded with my request to cancel my card and replaced it straight away. I immediately reported this to Monzo as a fraud. I heard nothing. I had to message Monzo asking for an update. This took 2 weeks. Still no one responded to my request for an update. I was then advised that the £420 would not be repaid. No explanation given. No information provided as to how they came to that decision. No information given about the complaints procedure. I have been trying to get a response from the complaints team for about a month. I haven't had a response. The only replies I get are to say they are busy which I think tells you everything you need to know about Monzo. My advice is not to use Monzo-ever. If you have money with monzo I would move it today to a reputable bank that will protect your money from fraud. I would recommend the cooperative bank who, when I had a fraud previously, immediately sought to repay the money taken.”

Helpful Report

Posted 1 year ago

“If you ever get scammed, they won’t help you, so there is no security with them at all. And you know what you want from a bank? SECURITY. Their customer service is shocking as well, speaking to anyone is absolutely impossible. They’ll make all their decisions without ever speaking to you. I highly recommend no one uses them.”

Helpful Report

Posted 2 years ago

“Awful bank. I don't this is an actual bank. Avoid at all costs. They are liars. Do not use them. They do not offer any customer service and provide any customer service like Marcus Long who is completely inept. Awful customer service and they are inept. They are trying to promote gold diggers. There are gold diggers begging for free charity.”

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Posted 2 years ago

“Monzo is an amazing app, with immediate customer service and help if required. So much better than my other more traditional bank account.”

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Posted 2 years ago

“I’m so done with this bank. Every time I get payment from someone they lock it they need proof why from who all details tho it’s same person like my husband etc. and no they closed my account without explanation and kept my money 💰 god thx I never keep more then £5 there since the locking my acc often I decide not to risk and they don’t even bother to give me my money now. Be aware !!!! Stay with Revolut .”

Helpful Report

Posted 2 years ago

“50 days on a complaint and no reply. See the pictures to understand”

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Posted 2 years ago

“USER BEWARE- I'm currently undergoing a process with financial ombudsman over a missing paycheck that Monzo have somehow 'lost'. That's right folks. Your hard earned money can simply be 'lost' by your bank. And not only that, the customer service response. Is cyclical email auto response and different team members never actually answering your questions. Iv been asked to have a call with them four times now which they never do and they send you back to circles of online bots. What does this teach us? Online banks are cowboys guys pure and simple. If this was a traditional bank I would not deal with this level of ineptitude if not cirminality (let's wait for ombudsman response). I would say please NEVER get your paycheck directly onto a Monzo account. Cuz if you are relying on your pay for say I dunno, rent, then Monzo could quite easily cost you your home.”

Helpful Report

Posted 2 years ago

“I have Monzo in the US. I had to dispute a transaction for which I did not receive cash back and also a cash app transaction. When I disputed the agent (Mike) took hours at a time to respond and did not inform me that my card would be blocked until after he did it. Next after asking him to remove the dispute if my card would need to be blocked, as I still needed the card and couldn’t wait 7 days for a new one, he told me that not only would my card be blocked but in fact my entire account shut down. This was with no warning or notice. Just a hours long chat. I called the us support phone number more than 10 times and they tell me there is no agent available and hang up.”

Helpful Report

Posted 2 years ago

“DO NOT USE MONZO!!! Blocked my account 3 weeks ago just before I had major surgery. Still no replacement sent out. They will try and claim to be investigating internally, DO NOT BELIEVE THEM! MAKE SURE YOU READ ALL CUSTOMER REVIEWS BEFORE MAKING A DECISION THAT WILL, AT SOME STAGE, MAKE YOU REGRET IT. It's a shame as they started off well and I've been with them since the beginning, even completed various feedback forms to help them build the product. But now, surprise surprise they are forgetting the people that got them there, the customers. AVOID, AVOID, AVOID”

Helpful Report

Posted 2 years ago

“Worst company they refusing to pay my money which l earned legitimately . I have been pleading with them to pay my balance from a business account which they closed. They said they made a mistake on the sort code . They said they returned the money to the originally sender all untrue as the sender is my uncle and we have confirmed with his bank that this is not true. When l tell Monzo they change and say they have began the the process of sending my money to me. Another day they say the matter is closed as they have paid me. Then another time they say l have put a complaint about why they closed my account none of it true . I only asked for my money which was in the account . I have sent over twenty emails . I am now engaging financial ombudsman and also enquiring on the legal law suits so that if this matter continues l will be claiming for all the inconvenience the extra cost incurred which was unnecessary. They continue to ignore all my pleas to just pay my balance . I feel unfairly treated by Monzo. To all the customers of Monzo be very careful of their conduct as l am in shock and in loss from this experience”

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Posted 2 years ago

“Beta tester here! A current account is actually a deposit account, but you can’t deposit money into the bank if it’s more than £700 in a role in 180 day period which is useless. Also they are now take me to 3 weeks to process cheques!! I’m also a shareholder but I hope they go bust I don’t mind lose in a couple of hundred quid in shares!”

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Posted 3 years ago

“Worst company ever - if you have to deal with their customer service. It's ok until it works. When something breaks - god help you. Horrible company to deal with. Hope their banking licence is taken away from them.”

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Posted 3 years ago

“Great customer service and easy to use app. Highly recommend.”

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Posted 4 years ago

“Great bank. Fast payments. Easy and simple support that’s fast too. Keeps your money safe and is FSCS protected. The best Bank in the U.K. right now.”

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Posted 4 years ago

“Put charges on my account without notifying me. Froze my account so I couldn’t access my money. Untrustworthy company - avoid.”

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Posted 5 years ago

“Used to be a good “fintech”, became a bank...and went back to the default commercial banking...use it for your small payments. KEEP YOUR LARGE AMOUNTS AWAY”

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Posted 5 years ago

“This is the best bank I have ever been with. It has so many useful tools and its notifications are brilliant. It shows you every time your card is used and adds up for you how much you ve spent that day so you never overspend because your not sure how much you ve spent on your card. You can get paid a day early and I had a problem where sainsburys had charged me twice and they refunded my money back into my account immediately I didn't have to wait while they 'investigated it' . So far everything about this bank has been above and beyond what I've recieved from other accounts. I love my monzo account.”

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Posted 5 years ago

Monzo is rated 1.6 based on 227 reviews