“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.”
“I requested a withdrawal two weeks ago, and I'm still waiting for the funds to be transferred to my bank account. Shortly after my request, the money in my wallet inexplicably disappeared. Frustrated with the lack of updates or communication, I decided to reach out to the email in my bio (EMAIL IN MY BIO). Thankfully, they helped me recover the missing money.
While I'm relieved that the issue was eventually resolved, I found the delay and lack of transparency to be quite disappointing. Nevertheless, I would like to express my gratitude to Mrs. Lucy and her team for their effective support in resolving the problem. I highly recommend their services.”
“Absolutely dreadful company. No interest in Customers - just selling and making money.
They've pervaded every platform with relentless advertising - yet clearly spend less than a £1 on delighting actual Customers.”
“I had a wire transfer from usa and gave them everything they asked for and they say they can't find my money. I am disgusted with the way they handled it”
“Shocking
My Monzo business account has been locked out since Thursday. This is now Sunday.
I have no money in any other accounts.
My mortgage is outstanding. My shop rent. Internet about to be cut off and therefore will be out of contract again.
It’s going to be a whole day of admin sorting things when it’s back up and I will be looking for compensation.
My credit rating is likely to now be affected. Not to mention my appearances in contract with my landlord now paying late. This could affect my relationships there.
They’ve taken 3 days to get back to an email even tho my partner has called everyday for a response. AND have not listened to the issue.
I’m on holiday and borrowing money from a friend.
It seems to be due to a technical error.
I have two accounts, one personal and one business. The pin is locked because Monzo gets confused which is required.
Then the video verification isn’t working. Apparently they don’t even see the request.”
“Been with monzo for over 3 years with no issue for travelling etc. the moment I had an issue with a suspected transaction they closed my account as suspicious fraud and now can no longer use them. Terrible customer service”
“Their customer service is abysmal and that is the nicest way I can describe them. It’s pathetic you cannot speak to a manager. They take 3-4 days to come back with a query. They freeze your bank account on “suspicious” behavior and then refuse to take calls. This is the worst case of customer service I have ever witnessed. It amounts to theft.”
“Totally poor customer service, I opened a dispute twice for same transaction and hey closed it without investigation and not even read details of dispute, completely untrained and uneducated customer service. L”
“I never thought I'd get my money back. After months of dead ends, I had lost hope of ever recovering the $86,000 I put into plutus' legacy. But now, I'm here to tell you that it is possible. I came across the platform through an online ad. It promised fast returns The platform claimed I had earned $175,000, but when I tried to withdraw it became a problem. They requested withdrawal fees, and kept on asking for more fees which I paid. At some point, I knew it was a scam, but by then, I had already sunk in another $26,000 in fees. The entire experience was devastating, and I felt foolish for trusting an unknown platform. But I refused to give up. I reached out to chelsy desmarais after reading online testimonials, and to my surprise, they were able to recover 100% of my original investment. It was a huge relief. If you're facing something similar, contact Chelsy Desmarais. She knows how to get results.
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“I am incredibly thankful to Mrs. Oliver Recovery Agency for helping me recover all my stolen money and profits after being scammed. Their dedication and efficiency were beyond my expectations, and I will always be grateful for their outstanding service. Contact them via email at Olivercompanyexpert 505 [@] gmail.com or WhatsApp at +44 (7438) 687236 for assistance”
“Hey there, let me tell you about my experience with SPECTRUM-CREST. I came across their website promising huge returns on investment and decided to give it a shot. But boy, was that a mistake! After depositing a significant amount of money into my account, I quickly realized that it was all a scam. The customer service was nonexistent, the trades they made on my behalf were losing money left and right, and when I tried to withdraw my funds, surprise surprise - they were nowhere to be found. I felt like such a fool for falling for their tricks. So please, learn from my mistake and steer clear of Spectrum-Crest at all costs. Don't let them scam you too!”
“Do not make Monzo your primary bank account. Use a high street bank due to the fact you can't talk to anyone. DO NOT MOVE your salary to their account.”
“I have had a Mozo account about 6 weeks. I opened it to be able to transfer funds to Coinbase. Over the weekend just after Christmas an acquaintance transferred £1500 to my Monzo account from their Chase UK account. I went to upload it to my Coinbase exchange account and Monzo stopped the transfer and froze my account.
No explanation was offered. I was asked what the money was being used for. As I don't believe in banks dictating what you do with money in your account and this isn't China, I told Monzo to F/O.
They then spent a week harrassing me for information which I refused to give them, then decided they were going to close my account (something I told them I planned to do anyway after my balance had been transferred). Why does it take 2-4 weeks to transfer my balance when everybody knows transfers take seconds?
I predict Monzo and any other bank that dictates to its customers, will go out of business. It's not surprising cryptocurrency is so popular.”
“I applied for a account with photo ID. A week later I followed up asking what was going on. They told me to take a photo with my ID to my face. The next email was the below. No explanation, they even say they will not accept any applications from me. The treatment is very unfair. There are reviews saying it's fast, efficient to start an account but it's not. If you bite back and ask of the delay, it seems they just block you from getting an account. Pretty unethical. Please refrain from using this bank. Whoever is sitting behind that chair is making judgement calls on anyone that complains.”
