This notice explains how and why we use information about you when you use Monzo. By information, we mean any information about you, like your name or address.
You can read this with your parent or guardian and ask them if you’ve got any questions.
If you’re based in Ireland and 16 or above, please refer to the Customer Privacy Notice.
If you’re based in Spain and 18 or above, please refer to the Customer Privacy Notice.
About us 👋
We’re Monzo Bank Europe Designated Activity Company — you can call us Monzo.
What information we need about you 👀
We need information about you so that you can use Monzo. We collect information like:
your name and date of birth
your phone number, email address and where you live
when and where you pay for something and how much you spend.
Why we use your information 🔍
We use your information to:
add you to your parent or guardian’s account they manage on your behalf
help you spend, save and move money
keep the account and your information safe
talk to you about the account
help improve Monzo.
What are cookies and why do we use them?
We want to make Monzo the best it can be! To do this, we use ‘cookies’ (not the tasty kind!). When you use Monzo, cookies learn things from your phone or tablet, like what kind of phone you have or what you've done in the app. Think of cookies like hardworking helpers behind the scenes, making sure everything runs smoothly. They:
Make Monzo work for you: They help our app work properly and remember things like your chosen language.
Keep everything running smoothly: They help us keep an eye on how the Monzo app is doing, so we can quickly fix any problems.
Keep you safe and sound: Cookies also help us keep you safe.
We need cookies to make the Monzo app work. If you don’t want to use them, you’ll need to delete the Monzo app. You can ask your parent or guardian if you have any questions.
Things you can ask us ❓
You can ask us:
For a copy of your information
To correct information that is wrong
To review a decision that’s been made without a human – for example, if we stop a payment
To delete or stop using your information – we can't always do this, but when we can we will.
If you’re based in Ireland
If you’re under 16, your parent or guardian will need to ask us to do any of the above things. If you're 16 or above, your parent or guardian can ask us and we’ll check if it’s okay with you first. Or you can contact us using the details above.
If you want us to do any of the above things, please email help@monzo.com and we’ll have one month to do so. You can also ask your parent or guardian to email us.
If you’re based in Spain
If you’re under 18, your parent or guardian will need to ask us to do any of the above things. If you're 18 or above, your parent or guardian can ask us and we’ll check if it’s okay with you first. Or you can contact us using the details above.
If you want us to do any of the above things, please email contacto@monzo.com and we’ll have one month to do so. You can also ask your parent or guardian to email us.
Who we share your information with 🤝
The parent or guardian who opened the account for you can see how much money is in the account and your spending.
We share your information with other companies that help our services to work, and when it helps to keep you or your money safe.
We also share your information with companies when you spend money on your card.
How long we keep your information 📁
We keep your information while you have a Monzo account. After your account closes, we usually keep it for several years because the law says we have to.
Once we no longer need it, we delete it safely.
You or your parent or guardian can ask us what information we hold and why - see the above section "Things you can ask us" to find out how.
How to make a complaint 😔
If you are based in Ireland and have a complaint about how we use your personal information, please first contact us through the app or send an email to help@monzo.com and we'll do our best to fix the problem.
If you are based in Spain and have a complaint about how we use your personal information, please first contact us through the app or send an email to es.reclamaciones@monzo.com and we'll do our best to fix the problem.
If you live in Europe you can also refer your complaint to the Irish Data Protection Commission, Agencia Española de Protección de Datos, or other relevant authority.
Learn more and contact us 💡
Our full privacy notice contains more information on how and why we use information for our services.
Ask your parent or guardian if you’ve got any questions after reading this – they’ll be able to contact us directly in the app. You can also contact us using the details above.
Changes to this notice 📝
We’ll post any changes to our privacy notice on this page and if they’re material we’ll let you or your parent or guardian know by email or in the app.
Past versions
