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Switching off your overdraft

You can switch off your overdraft anytime, as long as you’re not using it. Just keep in mind that if your credit file changed since you took your overdraft out, you might not be able to turn it back on.

Here's how to switch off your overdraft in the app:

  1. Tap Home in the Monzo app

  2. Tap the three dots on the current account card

  3. Select the Overdrafts option

  4. You’ll see the option to reduce your limit to £0 from here

If you'd prefer we removed your overdraft entirely so you can't switch it back on, please get in touch with us in the app:

  • Tap the Help icon in the menu bar

  • Search ‘Switching off your overdraft’

  • Tap Get in touch

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Existing customers can get help via the app

Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.