What happens after an account is closed
If your account is due to close
In some circumstances, we may be able to stop an account closure before it happens. For example, if we've asked you to provide an updated residency permit, we may be able to cancel the closure once we've reviewed your documents, as long as your account is still open.
If your account has already closed
If we've had to close your personal account, you’ll no longer be able to receive or send money from it. You’ll need to redirect any income or bills to a new account.
Pots and features: You’ll no longer be able to access features like Pots or Trends.
Outstanding money: We’ll use any money you had in your account, including in Pots, to pay down any outstanding overdraft you had. You’ll then still need to repay any remaining overdraft balances.
New account: If your account was closed by Monzo, we can’t reopen it or offer you a new Monzo account.
If you closed your account yourself, you may be able to apply for a new Monzo account after 30 days if you’re applying in the same country where you previously held an account. If you’re applying in a different Monzo country, you don’t need to wait 30 days and can apply straight away.
The Citizens Information Board website has information on how to open one with another bank.
