Reporting fraud

Here's what you should do if you think you’ve been the victim of fraud:

Freeze your card

No one can use your card now. You can unfreeze it any time you like.

Check the payment details

Look at the payment details in your feed and check if you recognise the amount, date and time of the payment, where it was made, or the merchant. Sometimes the information might not look right, but this doesn't mean it's fraud. If you aren't sure about the merchant information, chat with us in the app.

Check if it’s a subscription

If you were charged for a subscription you thought you cancelled, it technically isn't fraud but we can still help. Go to the transaction, scroll to the bottom and tap 'Something wrong? Get help' and then dispute the transaction. Give as much info as possible so we can help.

Check if it’s someone you know

Have you given your card to a friend or family member recently? Could they have possibly made this payment?

Report Fraud

If you've done all of the above and still don't recognise the transaction, then report the payment as potential fraud through the app.

Get in touch

What isn’t fraud

When the problem is something on this list, it’s probably not fraud. You should contact the merchant to try and settle the problem first:

Don't have access to your Monzo app?

You can access Monzo Web to freeze your card and check your latest payments.

Accessing Monzo Web 💻

You can also call or email us, and we'll be able to help you from there.