We're here to help

If you already have a Monzo card, our customer support team are on hand 24/7 to answer your questions. Just open a chat in the app and let them know what you  need.

Is Monzo a bank?

Yes! "Monzo Bank Ltd" is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 730427.

Yes! "Monzo Bank Ltd" is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 730427.

When do you launch?

We’re currently live with limited-edition Alpha and Beta cards (Monzo Mastercard® Prepaid Debit cards). These cards can be topped up and used at cash machines, in-store, online and at contactless terminals. They allow us to test features with real users and iron out early bugs.

We’re currently live with limited-edition Alpha and Beta cards (Monzo Mastercard® Prepaid Debit cards). These cards can be topped up and used at cash machines, in-store, online and at contactless terminals. They allow us to test features with real users and iron out early bugs.

For now, your Monzo account will not have a sort code or account number which means no access to Faster Payments, Direct Debit or Standing Orders. We’re working on making these available when we launch current accounts later this year.

How do I get a Monzo card?

The Monzo app is available to download for iOS and Android from the App Store and the Google Play Store.

The Monzo app is available to download for iOS and Android from the App Store and the Google Play Store.

Is my money safe with Monzo?

Once we launch current accounts, your money will be fully protected by the Financial Services Compensation Scheme (FSCS), meaning that all your money up to £85,000 is guaranteed by the British Government.

Once we launch current accounts, your money will be fully protected by the Financial Services Compensation Scheme (FSCS), meaning that all your money up to £85,000 is guaranteed by the British Government.

During our Alpha and subsequent Beta testing periods, your money will be held in a separate, protected account by Wirecard, our issuing bank. In the unlikely event Wirecard were to become insolvent, your funds would be protected against any claims made by creditors. All card transactions are processed by the Mastercard network and are protected by Mastercard rules.

Additionally, we guarantee that you will never lose money as a result of any mistakes or problems we make while testing.

The important, legal bit: Your money will be held by Wirecard Card Solutions Ltd. (WCDS) who are authorised by the Financial Conduct Authority (FCA) to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051). The card itself is an e-money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. In the unlikely event that Wirecard Card Solutions Ltd (WDCS) becomes insolvent, your funds may become valueless and unusable, and as a result you may lose your money. However as a responsible e-money Issuer, WDCS ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your card. In the event that WDCS becomes insolvent funds that you have loaded which have arrived with and been deposited by WDCS are protected against the claims made by creditors.

What fees are charged for using my card internationally?

We don’t charge any fees for using your card abroad, neither at points of sale nor at ATMs 🎉  We pass the Mastercard exchange rate directly on to you!

We don’t charge any fees for using your card abroad, neither at points of sale nor at ATMs 🎉  We pass the Mastercard exchange rate directly on to you!

What ATM fees do you charge?

We never charge you any fees for withdrawing money from an ATM. However, some ATMs may charge fees themselves that Monzo has no control over.

We never charge you any fees for withdrawing money from an ATM. However, some ATMs may charge fees themselves that Monzo has no control over.

Some ATMs may show a note saying “Your Card Issuer may charge you for this transaction”. We will not charge you for the transaction. This notice appears because the ATM registers your card as a prepaid card and is not specific to Monzo.

What happens if I lose my card?

If you have lost your card, the first step is to freeze your card in the "Card" section of the app. Once your card is frozen an option to “Order a Replacement Card” should appear underneath the frozen card in the app. Just tap it and follow the instructions.

If you have lost your card, the first step is to freeze your card in the "Card" section of the app. Once your card is frozen an option to “Order a Replacement Card” should appear underneath the frozen card in the app. Just tap it and follow the instructions.

Do you offer joint accounts?

Unfortunately we don’t currently offer joint accounts although we're working on some cool ways to send, share and split money. However, you can always get your partner to download the app and join the waiting list for a card. 😄

Unfortunately we don’t currently offer joint accounts although we're working on some cool ways to send, share and split money. However, you can always get your partner to download the app and join the waiting list for a card. 😄

How do I complain?

If you have a complaint the best way to contact us is via the in-app chat. Alternatively you can also;

If you have a complaint the best way to contact us is via the in-app chat. Alternatively you can also;

Email us at [email protected]
Call us on 0800 8021 456
Write to us at: Complaints, 230 City Road, London, EC1V 2QY
If you complain to us and you are not happy with the resolution you can refer your complaint to the Financial Ombudsman Service. For more details you can visit their website.

   [email protected]    0800 802 1456

The number and email address above are only for customer support queries and we will not be able to help with other issues.