“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.”
“Monzo closed my account without telling me a reason i had my first Monzo card which i reported because i saw some transactions that was not me right then after they blocked it they sent me a second replacement card and for no reason they blocked it on the same day it arrived then they just let me know we are closing ur account then they send me a third replacement card and now i can't activate it because they have closed my fricking account Monzo this is unacceptable and disgusting of ur customer service terrible”
“Monzo Bank is the worst bank I have ever dealt with.
Monzo bank allowed 3 unauthorised transactions to be taken from my account (more than 355 euros). I reported the problem over 2 weeks ago and I have explained that I am in financial difficulty and there is serious customer detriment as a result of their action.
I contact them most days repeating this and asking that they refund my money - however all I get is "I am so sorry for the delay" and "thanks for your patience". The Monzo team hide behind email and text "chat" and have no interest or ability to call you to talk to you to resolve the problem.
Their processes are such that they ask actively encourage customers to send in personal data and documents by insecure email.
Do not use this bank under any circumstances!!! People can take money from your account and you cannot stop it, and once it happens it may take weeks or months or even longer to get your money back.
If you want to keep your money and you account safe, I strongly recommend that you choose a different bank!”
“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.”
“Extremely poor customer service. I have been trying to speak or chat with anyone for the past 4 days but no one is responding.
I’ve been getting notifications of payments which I didn’t approve myself. I have been trying to get in contact with anyone who works here but no one has been able to help.”
“Good until the point of needing customer assistance then it is the worst I’ve experienced 😵 terrible support & protection if you get a bad merchant, fraud etc, & the platform is hopeless at customer service, they really do seem useless in that sense which is a real shame as it can be an enjoyable app too. I don’t trust for anything more then a travel card now, as it’s not worth the hassle dealing with their poor customer service process if anything goes wrong.”
“Most ridiculous bank I have ever came into contact with. My partner has been locked out of his Monzo bank for days now over a mistake of putting the pin In wrong. They have frozen all our money in his account and he’s been sending emails, calling and sending messages on the chat and he’s being completely ignored. We havent had any food in the house because of this and we have asked for it to be escalated but all you get told is someone will call you when they can be arsed basically. Never knew a bank to be this bad and leave you without any knowledge of what the next steps are and when someone is going to contact you. You ask to speak to a manager and get absolutely nowhere. Honestly disgusting.”
“Began as a Monzo Beta user in 2016.
In 2024, ended up as a ex user. Shutting a personal premium account and moving my company away from Monzo Business.
I've used Monzo for years at this point, I've always enjoyed their approach to all in app approach but over the past two years the user experience across the board has completely dropped off a cliff.
The app is rarely updated now.
No new large premium features for years at this point.
Hands down though, worst of all is Customer support. It will cause the death of Monzo.
From a personal and business point of view, every person I come across has nothing good to say about Monzo anymore.
Wait times are awful, communication is awful, lack of people is awful, from a business point of view their support is not viable for any business when something goes wrong.
Avoid them at all cost, go to the 'high street' banks. Granted application will take time but they actually have people who will sort things out for you.”
“Opened the account. Deposited and spent £2 with no problem. Then made the mistake of adding £10000. Now my account is blocked. I can’t spend anything due to suspicious activity. Live chat responds after 4 hours. They answer the phone after at least 45 minutes from Cape Town, South Africa. It has now been 24 hours that I have had no access to my money. No update. No contact from their scam specialist team. They just keep telling me to wait. Monzo are a complete joke. A bunch of cowboys. AVOID AT ALL COSTS. Go to Revolut instead!!”
“Opened an account .got my HMRC payment sent there . They freeze account until I prove where the money has come from. After numerous screenshots and chat . They unfreeze.then I try and send my partner a transfer .they freeze it again !! Now it’s under. A SCAM specialist . It’s a pathetic way to run a bank. You can’t speak to anyone it’s all webchat and they have no idea what they are doing. My account was frozen Friday at teatime and it’s still frozen Sunday . All they keep saying is someone will be in touch . Surely as any other bank suspect fraud/scam they would try and resolve asap., but no customer services send you little emojis in their responses . So there you go . If you want to be without money all weekend and get treated like it doesn’t matter . Bank with these. I can’t wait to get my money out of their incapable hands and back to mainstream banks. It’s pathetic . DO NOT USE THIS PLACE TO TRUST YOUR MONEY”
“Monzo have frozen my business account with 7k in it whilst I am in the middle of a jobs I work as a buyer for the set design department on tv commercials and companies send me money to buy props. I’ve always done this ever since I’ve had the account so this isn’t unusual activity for me account. I answered all of their fraud questions but yet they still cannot tell me when my account will be unlocked. I’ve asked to speak to a manager. I’ve launched a complaint. It’s actually stopping me doing my job now because I have no money to do it. It’s not even my money it’s the companies money and I have to go back to them and explain this which makes me look very unprofessional. Their website says that they aim to unlock account within 10 minutes which is a complete lie. I feel completely powerless in this situation, I’m making a complaint to the ombudsman as we speak. My job is time sensitive and they are actually putting my relationship and income at risk with this particular client with the way this is being handled. If you have a business account then clearly you should be a priority because your business runs through it.”
“DO NOT USE MONZO FLEX OR ANY MONZO CREDIT CARD SERVICES
They do not have a legitimate nor functional dispute team to handle any disputes. It is an automated service which automatically sides with the merchant and never for the customer. All the merchant has to do is provide any kind of response saying a delivery has been made and the dispute will close.
Any evidence you provide in your defence is not registered and completely ignored. There is no portal to supply evidence just the general customer service chat which is run by complete delinquents that aren’t really qualified to read the alphabet. Nothing you send will get taken into consideration.
It does not matter if your purchase is world £1000s, Monzo DO NOT CARE.
I am pretty sure this violates multiple regulations for a credit provider.”
“I urge anyone to stay clear of this bank and warn others to also stay clear. Especially if you are a vulnerable person, they take full advantage of this and have gotten away with it too many times.
I’ve used Monzo as a main account for 3 years now with no issues. I fell pregnant and unfortunately that came with a lot of mental health problems that left me in hospital. I was awarded compensation from the financial ombudsman after a year of terrible living conditions and treatment that inevitably left me with severe anxiety and depression.
Took a whole year just to be paid a liveable and survivable income, for Monzo to close my account without explanation. I understand the legislation however I’d just been housed and had to access to the internet. I’ve never lived alone before so I was focused on making my house a home. I didn’t receive a notification and I contacted Monzo. It was re opened as a “grace period” however specialists said they would tell before the account was opened. They just let me use it as normal and waited until the end of the week to close it completely. 10k inside and my benefits back pay for mental illness. I emphasised that I don’t understand the process and I was clearly in a state of severe panick as I was choking on call to wellbeing and they just hung up on me. Took them 5 days to respond. In that time I’ve lost weight and you can actually see the damage, I can’t sleep, my kitchen pipe burst and has flooded my kitchen floor and I’m scared it’s going to blow the fuses, I had no cash or access to money therefore I was forced to let my period just go all over me. I’m behind on rent, phone contract, my payments have been stopped and I now have to appeal leaving me with no income for the foreseeable future.
50 emails. All robot responses, every complaint has been rejected and ignored, Ive repeated the same email over 20 times each member of the Monzo team sending the exact same automated response. I had my emails restricted.
To make this bank even worse. After I was honest I had a past with mental health but this experience has scared me and I’m worried for how I’m going to get by, a member of the wellbeing team rang an ambulance and I had to ring the ambulance service and apologise deeply for wasting nhs time.
I’ve given them way too much personal information and evidence. I feel really embarrassed and worthless from this. I feel like I’ve just been made a huge mockery out of because I made a mistake and didn’t know a bank would call you randomly on a Saturday without warning. It’s like they set you up.
I rang Santander once a specialist agreed to let me give another bank, Santander granted me access to my account that I opened and haven’t used in 4 years in 5 WHOLE MINUTES. Passed security, informed me on everything I need to know about large transfers, online banking, everything Monzo failed to do in a fraction of the time span.
All calls are recorded. I was assured by a specialist that my funds would be transferred to my new account once I send them. She said due to the nature of this she can escalate it and fast track it.
I send my details and what happens? We are back to the beginning as she failed to actually communicate this with her team. I’m then asked to send everything again, to be met with a completely new person asking for the same things and then again and then again until they ignore you or block you. Coming up to 6 days now and I haven’t had a meal or been able to take care of myself. The mental health charity Monzo have on their website contacted me and they’ve said they don’t even work with them anymore. They’re just profiting from the facade that they actually care for people
1 star because faster payments. Should be 0”
“Stay far away from this company
Monzo for absolutely no reason froze my partners account whilst trying to make a purchase. They have absolutely no explaination, no time line and absolutely no correspondence or help with this issue. We got the same message over again in the online app and the phone line customer service was absolutely useless and kept telling us that their team would contact us.
Needless to say, we couldn’t pay any bills during this time and defaulted on a rent payment. This left us with no way to pay for food, transport, anything. I don’t think I need to explain how that left us feeling.
During this period I found that we weren’t the only ones, this has been flagged up by multiple online sources forums and watchdog. This has happened to so many people and it is utterly cruel and sickening.
If you want to join a bank that could cut off access to your own money for no reason at any time and no way of contacting anyone to help you then go for it. They offer no sympathy and I imagine there will be some lawsuits on their plates pretty soon!”
“Don’t put your hard earned money with Monzo if you don’t want them to freeze your account completely without checking first that you are buying a car with your insurance complaint money that had paid out for an accident ! Tgey have now left me high and dry”
“They provide the worst customer service ever encountered and then just escalate to a complaints team who hope you will go away given how long it takes for them to respond. When you do reach someone on their chat in app, all you get back is scripted responses. If you get someone on the phone they tell you they can’t help and mislead you into thinking they’re setting up a call back with someone who can. I had the misfortune of being on a call which was clearly a call centre and heard two of the team in the background verbally abusing a customer after a call and taking great joy in the fact that said customer had been shut down and knew nothing. Businesses like this are great until you actually need customer service and my experience has been utterly appalling. I’d advise anyone considering using them to look elsewhere as there are much better options available.”
“A truly dreadful ‘organisation’ run totally by Artificial Intelligence. I had thousands of pounds taken from my account by a third party without my authority. Monzo allowed this to happen and despite 100’s of emails they do NOTHING. Do not risk your money with this lousy outfit.”
“Had issues with a basketball broadcasting service that took money from me and as I reported it as fraud and provided proof even of other people online all saying the same thing about it they just ignored me and said they can't help
Skip to today 19/12/2023
Spending my money for whatever (dont have to tell them at all) and the blocked my account, after I told them I'm happy to prove to them who I am and even facetime they kept asking illegally about my spending.. so basically I don't recommend them as they really don't help you when you need them and they waste your time when you are using YOUR money 💁”
“Aweful customer services,the app is so delayed each time you ask a question and they all seem to say the same thing and not know how to deal with basic things.”
